Import all the required libraries and packages¶

import numpy as np
import matplotlib.pyplot as plt
import pandas as pd
import os
import time

import re  
import nltk

from nltk.corpus import stopwords
from nltk.corpus import RegexpTokenizer as regextoken
from nltk.stem.porter import PorterStemmer
from nltk.stem import WordNetLemmatizer
from nltk import pos_tag
import pickle

from sklearn.cluster import KMeans
from sklearn.metrics import adjusted_rand_score

from sklearn.decomposition import PCA
from __future__ import print_function

from sklearn.metrics import confusion_matrix
from sklearn.model_selection import train_test_split
from sklearn.metrics import accuracy_score

os.getcwd()

'/Users/z066910/Desktop/PHDHackathon V1'

Import and Explore data¶

dataset=pd.read_csv('GrievancesData_Train.csv')

dataset.dtypes

GrievanceID             object
BankID                  object
State                   object
DateOfGrievance         object
Grievance_Category      object
GrievanceDescription    object
LineOfBusiness          object
ResolutionComments      object
Disputed                object
DateOfResolution        object
dtype: object

dataset.describe()

dataset.head(1)

dataset.tail(1)

print(dataset.columns)

Index([u'GrievanceID', u'BankID', u'State', u'DateOfGrievance',
       u'Grievance_Category', u'GrievanceDescription', u'LineOfBusiness',
       u'ResolutionComments', u'Disputed', u'DateOfResolution'],
      dtype='object')

#Check for the shape (no.of rows,columns) of the data
print(dataset.shape)

(53680, 10)

#Check for missing values in the data
print(dataset.isnull().sum())

GrievanceID               0
BankID                    0
State                   121
DateOfGrievance           0
Grievance_Category        0
GrievanceDescription      0
LineOfBusiness            0
ResolutionComments        0
Disputed                  0
DateOfResolution          0
dtype: int64

#Frequency Count
#dataset.groupby('BankID').size()
#dataset.groupby('GrievanceID').size()
#dataset.groupby('State').size()
#dataset.groupby('DateOfGrievance').size()
#dataset.groupby('GrievanceDescription').size()

#No.o unique text 46662

dataset.groupby('LineOfBusiness').size()

#dataset.groupby('ResolutionComments').size()
#Closed with explanation -> # texts 41546

#dataset.groupby('Disputed').size()
# Disputed = Yes -> # grievances 11785

#dataset.groupby('DateOfResolution').size()

LineOfBusiness
Consumer Loan     5512
Credit card      21638
Mortgage         21268
Student loan      5262
dtype: int64

#Remove duplicate records

#Deleting if records are repeting just with different grievance id
df=dataset.drop_duplicates(['BankID','State','DateOfGrievance','Grievance_Category','GrievanceDescription','LineOfBusiness','ResolutionComments','Disputed','DateOfResolution'],keep='first')

df.shape

(48496, 10)

#Checking records for discrepency
df.loc[(df['BankID'] == 'Bank5397') & (df['State'] == 'State22') & (df['GrievanceID'].isin (['GID414513','GID414630']))]

#Reset the index of the deduped data
df.reset_index()
df1=df.reset_index(drop=True)
df1.head(1)

#Data for text mining
datatxt= df1[['GrievanceID','GrievanceDescription']]

datatxt.shape

(48496, 2)

Part 1¶

Train Data preparation using Greivance data¶

Grievance Description -Text Mining¶

1)Develop unique words/phrases for identification of a grievance as UFDP. Create features explaining UFDP (Y/N). Also create other additional features based on domain understanding¶

Cleaning text¶

#Define function to preprocess text
def text_to_words( text ):
    start = time.time()
    #letters_only = re.sub("[^a-zA-Z0-9$%!]", " ", text) 
    letters_only = re.sub("[^a-zA-Z]", " ", text) 
    words = letters_only.lower().split()
    stop_words = stopwords.words('english')
    #Extending the stop words list by adding data specific unwanted words to the list
    stop_words.extend(['xx','xxx','xxxx','bank america','bank','citi','ocwen','ocwens','gl','rp','fitbit','cement','mls','lfs','reo','hhf','be','di','pt','ax','sp','america','american','bankamericard','americans','americas','aaa','aa','aafes','us','usa','usbank'])
    stops = set(stop_words)  
    lm=WordNetLemmatizer()
    meaningful_words = [lm.lemmatize(w,pos='v') for w in words if not w in stops]
    
    #Convert plurals to singular
    #postg=pos_tag(meaningful_words)
    #newwords=[w[0].rstrip("s") if w[1]=='NNS' else w[0] for w in postg]
    
    #ps = PorterStemmer()
    #meaningful_words = [ps.stem(w) for w in words if not w in stops]
    
    return( " ".join( meaningful_words )) 
    #return( " ".join( newwords )) 
    
    end = time.time()
    print("Time elapsed for execution = ", end - start)

#No.of texts to process
num_texts = datatxt["GrievanceDescription"].size
print(num_texts)

48496

#Define function to clean text
def cleantxt(IP,rec):
    #Initialize an empty list to hold the clean texts
    clean_reviews = []
    start = time.time()
    #Loop over each text
    for i in range(0, rec):
        #Call function for each text, and add the result to the list of clean reviews
        clean_reviews.append(text_to_words(IP["GrievanceDescription"][i]))
    
    end = time.time()
    print("Time elapsed for execution = ", end - start)
    return clean_reviews

#Call clean text function to create corpus of cleaned text, all data (train)
clean_reviews=cleantxt(datatxt,rec=num_texts)
clean_reviews

Time elapsed for execution =  62.0309178829

[u'research dpt ca name customer loan refinance home new loan fund include copy statement hud close show exactly pay receive check amount date escrow however escrow statement enclose show addition add payment total would like know happen ballance escrow account leave escrow call speak personel facility nobody give name feel obligate forward attorney general department house urban development expect hear representative',
 u'mortgage never miss payment refinance citizens mortgage obtain loan completely renovate home home build current mortgage house single family ocean view car garage additional park spot late move start refinance process citizens lower monthly payment close would longer need pmi insurance provide citizens every document ask asap sign allow income tax release pay appraisial home occur apprasal come signifigantly market value raise complaints appraisal loan originator citizens agree way value would file complaint loan fine even though appraisal artificially low tell would close end close tell would close end along available via email tell loan go forward set tell via email would close monday move tell phone around close tomorrow receive email say loan deny also say email sore throat cold talk reason state amount summer job less tell safe cancel payment via telephone plan financially child wife work need come additional money tell would need citizens payment would lower everything ask tell positive things loan word ever hear via email telephone move forward get email night suppose close happen another week vet financial source submit back early tell loan officer deny friday allow treat people manner especially people financial future hold wing',
 u'give credit limit sear credit card purchase include extend warranty sear yet today still owe tv never miss payment card creditors go unpaid due error correct error give letter submit creditors explain problem also send sear however creditors waive late fee still want double payments pay normal payment get letter state owe another payments plus late fee call speak woman name explain amount money ask would appreciate would let pay lesser amount minimum months get catch agree let pay lesser amount interest months months end interest rate revert tell agree late fee would keep come also would permanently close credit card account payments make appear credit bureau agencies payments pass due law allow feel unfair treat way deliberately report payments agree card order hurt credit first time ever payment issue since card except inquiries balance decrease years account open pinch use card purchase gas car twice time yrs ago able purchase sew machine hardly ever available credit constant use card since balance remain even though pay minimum amount due month telephone sear inquire lower interest rate account balance would go person speak laugh say credit card expect tell n expect spend rest life pay tv add interest rate best could offer time time cancel account care insurance well month accidental life insurance thru still change account balance appreciate advice offer find see another resolution problem thank advance sincerely',
 u'mortgage sell buy never miss payment late change insurance carriers several time statement become clear state problem change house insurance send check back use call ask do money give address texas send money instruct explain money suppose go send check letter state put money back escrow check cash also make payment problem say never get say check say could find house payment either well send copy statement show check cash husband call start say would check call back friday call husband call back state computers mess well call monday call back get someone name would disclose last name say head supervisor say would look call still wait call take call block web site main issue plus try raise payments escrow money',
 u'start deal mortgage back modification process approximately months continue send document document document many time approximatley different representatives help time change representative mean send document also find different answer others begin process tell mortgage order approve continue go modification process months behind current show mortgage need modification say dumbest thing end acct end foreclosure status could longer make payments many many months frustration contact help process start today still work representative tell mortgage continue ask document many frustrate moments mortgage send multiple time letter state regard land state detail land cash rent land mortgage land heritated split husband siblings land crop land state farm amount receive decide determine home property delay things never indication home would read answer question property know crop land field weed farmer put crop get payment year monthly assume serve paper today attorney mortgage yet continue call daily speak process take way long many document keep ask change thing change slightly pay stub statements need help get finalize',
 u'trouble payments handle husband lose job unemployed almost months recently start new job get finance back track however end struggle keep payments student loan become dangerously past due around arrange student loan payment line realize late forget change bank information payment reject since clear call aes discuss options tell representative qualify day forbearance discuss unfortunate payment error say n worry forbearance period would cover non payment credit bureau monitor service notify credit score drop point due day late payment report aes assure qualify forbearance call aes inquire tell credit report operate separate system credit report automatic would note situation file representatives pleasant helpful however explain representatives consumer representative tell worry payment issue listen husband veterans commute hobank work every day responsible miss student loan payment several years need buy home closer work problem loan aes consolidate debt different loan loan report credit bureau days late credit score drop almost point loan approximately point neither fair accurate payments make amount apply individual loan way set even loan late report late credit report sustain instant point drop credit score something confuse like state earlier veteran responsible citizen struggle pay loan time entire months husband work fair suffer insult day late payment due misinformation give late make payments due neglect would feel like earn discredit however act information supply company representative follow rule therefore respectfully ask day late remove credit bureaus move live',
 u'big fail care last child go college decide downside move smaller place pay dream home half bedroom condo heart car need inform boa sell units state acquisition company meet hold new purchasers meet owners inform new owners majority stakeholders could away condo bylaws thus bylaws amend new board appoint tell follow sell units new owners price give boa continue live unit know build longer abide condo bylaws instead operate manage apartment complex also inform never able sell unit open market rental average build condo purchase good faith everything right law present situation fault obank house market tank boa best sell units highest bidder care decision would affect honest customers purchase mortgage big care investors hand need realize profit quickly change bylaws protect investment care ordinary like one casualty house bubble could walk away situation like many n honest fool',
 u'car loan send payment form money order lose payment mishap begin submit payments online via bill payment month submit payment online release money account proof send payment still refuse accept payment',
 u'loan service servicer loan refuse talk anything refuse send paper send statements send payment statement return letter phone call refuse let know owe loan refuse let know receive payments refuse let know payments force insurance property insurance property refuse take months send proof call time double charge insurance thing say call tell talk send anything due file litigation document call copy letter send prove believe file lawsuit complaints unrelated mortgage service case county note loan own reason conduct service loan complaints lawsuits miss mortgage payments foreclosure want make payments time make payments last months know payments even credit ect believe go try foreclose loan even though proof like illegally loan loan file lawsuit letter send along complaints agency include press nation foreclosure crisis court full foreclosure case excuse conduct loan service may cause loan go foreclosure reason ever',
 u'try close new mortgage apply notify current lender foreclosure show lp perplex late payments call even speak woman n keep name unfortunately explain foreclosure show credit report say oh mistake last report go onto say correct late pay could see lump sum pay ask say need letter state right away current lender also need fix credit report tell would take weeks receive correction letter explain could n wait weeks need close new mortgage loan inform option take weeks admit mistake weeks wait weeks put mortgage loan close hold weeks come go still letter call email lp call back afternoon wife speak supervisor approx name acknowledge report incorrect say file dispute credit bureau say dispute admit report error say yes classify way classify inform wait weeks weeks confirm nothing send since first call say contact vp department work maybe end week would hear tell n something email immediately report sc bank proceed inform well take time vp dept florida hold mortgage close also negatively affect credit score greatly never come close foreclosure even time upside properties keep payments current n file bankruptcy properties foreclose like many property owners n want take negative hit lp feel responsibility quickly accurately resolve cost credit score point drop years ago keep score low years come even note credit file total negligence part urgency right mistake neither person speak really will go beyond resolve immediately final straw wife ask would call back outcome contact vp department resolution inform n call people back welcome call check call today tell submit dispute credit file say dispute tell report error say vp call back weeks later nothing end do resolve countless hobank end get story tell require law remove credit file ca n speak vice president slene finance report yearly almost years husband credit score drop point due almost lose current mortgage approve never late even payment mortgage',
 u'make payment loan xxxxxxxx apply finance charge principal wrong call tell look first call still resolve n know co service llc say get loan witch make payments several years',
 u'apply credit card accept send welcomepack recived bill shortly bank online try pay bill right away tell could hat need information send morewas tell good get reply within business days never get reply contact tell need info send tell would get back business days never get another bill mail plus email computer call tell last info send n right explain send tell would work would get back hold business days would able pay bill time wait back never contact tell info good enough send information point tell forget take system toldme okay would recive conformation two buissness day never numorous call complaints still system turn credit agency whole process show unpaid bill lowerd credit score enough ino longer qualify home loan get need every thing fine stick stay friends house card never see use force get check pay something n say way pay bill card n never get check mail totally frustaited hole thing',
 u'open credit card years ago interest account low time years ago get notice interest change go prime plus think prime go back several bank option close account stay old term cond lock interest rate till pay new term cond accept close account make payments since time never late history show month past years plus schedule payments online ea month get conformation number payment schedule account do years get conformation number transactions payment due get call home rude man caller id say call card service payment late late charge mean term cond charge irs get send statement think scam tell own still nasty threaten days past due get nasty explain schedule payments conformation care hr plus haurasing hang call customer service hrs later phone people get tell internet dept saw schedule payments say wrong know fix problem apparently time week put new bill system system update take account put un active position payments schedule could find account apply payment make yet new system could apply payment way know find account way ask fix issue idea fix problem people instal new update system input account could see suppose get call someone corp level next day address problem never happen spend another hobank phone way phone go call home phone put hold speak supervisor hrs later never happen call cell phone get supervisor nothing hobank ask thing never get ask credit late fee refuse keep read note put hold come back nothing try explain need do would listen hobank hobank get fill complaint also concern speak attorney yet believe right violate get call threaten speak tell az internet dept fault need fix tell payments late fee refuse service refuse wave fee fault conformation payments always make time never late yet get call home threaten wrong pay wrong really feel violate way also find supervisors speak never record ever speak call center carolina call never never put note speak get right thank time',
 u'hamp loan transfer citimortgage years ago something go wrong transfer paperwork subject harassment ever since three weeks transfer n receive paperwork include monthly statement bill call ask send payment month tell foreclosure process since n pay bill months refuse accept company time period refuse send paperwork since time threaten letter phone call one point lawyers fee pay owe take hire lawyer get fee remove continue refuse acknowledge multiple request fix start date mess escrow payments recently remove hamp program without consent state longer meet qualifications since refuse pay owe wit end ready sell house get rid harassment home ownership worth please help',
 u'approve trial modification tier modification program tell would base rate first years would step rate receive final modification documentation offer interest rate instead large balloon payment defer balance recent verion handbook clearly state order acheive monthly gross income monthly payment lender first reduce interest rate step interest rate reduction second step servicer reduce start interest rate increments percent get close possible target monthly mortgage payment ratio interest rate floor percent borrower arm interest mortgage exist interest rate convert fix interest rate fully amortize loan loan fix rate mortgage adjustable rate mortgage start interest rate current interest rate loan reset arm start interest rate reset interest rate within days reset current mortgage rate arm reset rate applicable percentage point increment servicers round interest rate first begin un round rate reduce percentage point increments target monthly mortgage payment ratio achieve upon reach point percentage point increment reduce rate percent set rate exactly percent term extension determine target monthly mortgage payment ratio achieve move next step waterfall term extension interest rate must fully reduce percent prior term extension example test target monthly mortgage payment ratio percent achieve reduce rate percent test achieve reduce rate percent test achieve fix rate percent move term extension step waterfall result rate interest rate cap define reduce rate effect first five years follow annual increase percent per year lesser amount may need interest rate reach interest rate cap time rate fix remain loan term result rate exceed interest rate cap rate permanent rate clearly define rate reduce move type deferral principal step waterfall process please help',
 u'submit time submit complaint deal rushmore mortgage directly endeavor get stop continuous daily call receive try collect mortgage responsible due bankruptcy deny knowledge bankruptcy even though speak repeatedly write repeatedly reference bankruptcy request cease pbank uit continue unable trick pay force pay retaliation place report credit bureaus past due mortgage amount discharge federal court rushmore respond reference complaint indicate would remove report bureau yet still would like remove immediately send letter indicate first place go remove bureaus rushmore speak represent new note holder regulatorydept involve identify service agency credit bully racial discrimination practice damage anyone expose tactics need stop deny intent walk away penalties kind one reason continue please assist procure resolution',
 u'car loan pay k report pay principal dispute balance bureaus nothing wonder bureau validate information company provide copy payment history request amortization schedule need know money go one provide answer get record',
 u'late early receive several voice message email regard credit card immediately contact inform fraudulent charge detect credit card close account protect fraudulent activity alarm account years utilize card years balance limit assure charge would reverse fee associate issue would reverse well also tell charge arise cafe someone purchase coffee snack advise never assure part fraudulent activity representative say would receive new card mail days card arrive contact tell card receive would issue replacement card via priority mail signature require receive replacement card problem entire process new card associate fee replacement fraudulent charge reverse completely promise day late payment credit report fraudulent charge fee total late payment affect qualification approval mortgage process obtain contact discuss matter apologize inconvenience assure fee reverse day late credit report would reverse days acceptable want negative notation impede mortgage loan process impact mortgage interest rate negatively',
 u'write letter mortgage account experience error servicer transfer middle trial loan modification begin make payments time keep lock trial modification agreement attach copy record show payments withdraw account month since trial modification begin initial month trial period inform permanent loan modification document ready produce yet instruct keep make payments month amount trial period payment end make payments trial amount speak representative name inform begin make payments amount permanently modify payment come permanent document ready yet make payments amount speak apologetic errors end explain payments short normally schedule payment inform make payments months months short make full modify payment order credit account full payments say account due inform make shortage payment along payment account permanently modify bring completely current would allow apply fund properly say work rectify issue prior transfer notify sps error prior transfer issue modification loan transfer sps see record attach make payment amount break shortage plus payment plus additional contact sps ensure payment receive inform payment receive however still work transfer process call back speak sps inform show account due payments try explain account current advise send dispute letter account end submit dispute letter receive response sps could find errors end still delinquency account however correct information see statements payment withdraw month since begin trial modification send another dispute letter sps respond letter first response claim payment issue file claim payment behind mortgage case order payment history prove payments make sps conveniently begin payment history whereas payment make accept claim receive payment',
 u'around consolidate loan pay loan chrysler financial automotive loan apply lose title local town office tennessee time make know td financial lien title direct td financial title support back td financial find balance due charge fee never receive notifications td auto finance representative ten twelve years since loan pay td auto finance locate maine never transact business request supervisor call discuss balance due week pass response despite call place customer service department find concern unethical corporation quietly hold balance due years demand consumer pay',
 u'contact read divorce mom blog mom flee domestic situation florida year old daughter move new apartment need help get essentials daughter would sleep floor get application online fill someone call withh minutes say qualify loan need provide financial information show could pay back money provide pay stub statements go back program sign contract say could would n work speak rep say spell last name l instead think strange tell sign l everything would go contact harrassed maybe time financial information resign contract loan give empty promise money would deposit account time money suppose deposit receive e mail letter avant state money would deposit account end contact tell number wrong assure double check know enter correct information email support say include many time ask resign contract say hold loan return within days would deposit money correct account day ask void check account could correctly deposit money send information say someone would get back end week monday roll around money call call say receive information money would deposit next day nothing finallly go see attempt put money account rep say attempt check see money place account mistake number check say account number n even exist tell call tell would wait deposit money young man claim problem end say would ge bottom friday call tuesday tell know wrong account number false intend report financial information include check account social security number statements address etc please help oh never get call back never deposit money',
 u'complaint regard credit card payment make make insurance company purchase event life change problem make aware longer conduct business result money pay insurance company well refund send behalf instead send check apply credit bring balance problem right none well however bring balance say payment credit say something pay monthly like go store purchase something return case would credit service provide customers event unable pay bill issue accept payment charge late fee close account report late credit bureaus make numerous attempt reach yet matter resolve recently wife reach office complaint submit receive correspondence woman name work department customer care complaints let start say absolutely rude combative hope never need deal send email state want resolve issue please give call call combative wife resubmit complaint address level dissatisfaction receive complaint go back person one combative problem receive money work hard apply account say n payment n make come insurance company insurance event unable pay bill would pay although longer business company insurance company refund consumers money either send check take money say payment credit cant credit payment make service never render steal charge late fee something n late different friend pay monthly bill cant say apply payment credit someone else pay charge late payments completely unethical',
 u'credit card citicard mail payments week due date post day due date late fee charge company contact tell n control postal service',
 u'try get audit account mortagge company years apply modifcation result submit applications within past year tie would reassign account days allowingthe information expire agreement reach federal court would correct account offer structure payment plan woud affordable time assign rep go another agree principal reduction send information exceed budget however show good faith pay month build trial plan loan could become stable lose job file bankruptcy see could do behind employment end months offer anything time account grow impossible anything currently pay constantly monthly basis stop pay start receive foreclosure notice realize payments apply account block internet site payments could apply never write bad check anything state process work account limit use update make therefore send payments online bill pay evidence could track ask send another loss mitigation application new rep come payment original payment ask say n explanation demand either accpet put document reject edit trial plan payments know could afford ask revise document refuse send account foreclosure company cause embarrassment abd economic harm clear information consumers entitle share time add mortgage sure come also aware victim preditory lend purchase home sell lender send broker agent take least transaction register home sbeing purchase economy change lose job pay save go ask interest rate change do every since problem would get mail different entites reflect different things try explain worst get finally ceo answer email account good status months leave old systems send bad information start happen understand federal order protect homeowners like time request face face decline say assign work convienence phone email shuffle begans ober hae explain situation mortgage lender appear duplication system everything get communicate properly keep run unwanted problems lead belive underwriters work loan process information correctly send acount firm foreclosure understanidng',
 u'offer trial modification servicer accept offer first payment due month member receive day month none less call make trial modification payment phone refuse take payment phone instead demand send via service explain would limit access fax stand firm unreasonableness able get office refuse accept payment claim late authorize party representative call separate occasion purpose call determine whether schedule foreclosure sale date time authorize party representative tell foreclosure sale date complete foreclosure sale time foreclosure sale remain town due mention',
 u'primary loan request unpaid principal balance exceed balance owe call boa speak id say account charge loan forgive longer transfer charge dpt speak say yes account charge ask boa reason short sale account charge longer write balance loan forgive boa realize potential get income primary loan story change boa tell account charge however still eligible collection collect something longer ask verbiage change account charge account write write mean loan amt forgive however charge loan still collect',
 u'mortgage pay hazard insurance escrow every year problem always escrow account last year change insurance pay agent insurance company send info need already escrow account thing year send letter state go put force coverage property try get resolve month agency insurance send dec page info need finalize sooner last monday thru friday speak last mgr director tell would handle well excuse would handle harsh phone call make also agent agent insurance company send dec page info need last week get insurance friday info send call explain insurance cancel receive friday still get friday afternoon late say today call tell insurance company way get track number cobank e fact still confirm insurance none could tell info send numerous time phone call happen say happen unacceptable yet happen every year escrow money almost shelipoint cause pay higher premiums never deal incompetent customer service department agent state insurance company could get response either',
 u'call harass account tell wrong person ask remove number tell would ask male female males name live address call constantly call back scream yell frustrate call phone number name person ask',
 u'mortgage years original payment start next year analysis do lower recently sell mortgage seneca mortgage receive letter state mortgage go call inquire tell escrow shortage could also pay shortage one lump sum n kind money call sell mortgage seneca tell ever analysis make mistake n include pmi insurance worry pay find hard believe want know new company charge money previous company make error analysis say aware mistake one take time call could rectify get stage speak new company will work anything payment full back escrow payment mistake create problem sure make mistake would ones phone get money like sell car someone realize could get go back person difference',
 u'get flexible payment options private loan sallie mae call try get lower payment interest rate due income children make small tax last year need help payment ruin credit refuse help unhappy',
 u'complaint attempt mortgage payment modify numerous time since suffer injury work turn greatly reduce income since happen try work keep home payments manageable do nothing assist apply modification however past years request ignore paperwork reportedly never receive phone call return phone number change computer system unknown number outline issue occur crucial consumer financial protection bureau intervene play auction home take loan catch payments later year close fund attempt prevent foreclosure time inform would able maintain regular payments request modification assign actually provide list necessary document fax begin branch location customer service representative name original copy document send available need inform automatically remove modification program clarification provide however know plan return account good stand settle pay attempt keep home point communication stall although inform could pay current mortgage payment per month payment make amount check withdraw check know would time would receive bulk money time would start receive regular income approve social security request apply modification phone make payment tell would contact new assign account manager one contact contact start modification process speak express concern inability willingly assist seek modification assure time would different call issue receive mail paperwork state due back receive call representative immediately request call back minutes try get children want discuss matter front recall emphasize please call back even ask persons information receive call back hobank later call back number caller id message high call volume due weather realize even know call hang wait contact still contact boa attempt call back redirect account manager ask call state think call back state provide name number suppose locate inform house schedule auction past year assign account managers none ever call home except week ago',
 u'recently close pay citizens credit card account ove one month ago today receive call say account past due never send letter mail say owe money request payoff pay balance full attempt report account past due days credit report agencies work tirelessly build credit citizens want destroy never type notification place make aware balance',
 u'contact regulatorydept urgent help deal mortgage company sps attempt get loan modification since current know wouldnt money make payment current deny fell behind able work due self employ prove medical issue deny every months recently state make enough money make little money go online complete come back may eligible resubmitted complete modification tell receive refaxed email submission document start get upload tell today days sale help lose home',
 u'want file complaint foreclose wrongly familys home love ruin life ever since wrongly foreclose loan modification almost do approve almost years since take home receive lawsuit thats even mortgage payment fair rite give back home help get new ones since wrong take everything work hard get',
 u'due inconsistencies amount owe tell amount report credit report agencies advise write good letter order address issue request negative entry remove credit report together vehicle steal declare total loss insurance company insurance company gap insurancw companypaid outstanding balance loan tell still balance due loan good faith without receive proof still balance make partial payment towards remain debt send goodwill letter still offer pay remainder debt exchange removal negative entry credit report one point per credit monitor agency show delinquent balance check credit report delinquent balance monies gap insurance insurance company pay say still owe already pay contact via return receipt mail give courtesy response yet',
 u'contact several different occasion regard car loan account number loan remove also credit bureau positive credit rat close pay full company insist avoid agreement enter company representative corporate position agree upon resolution provide agency copy capability computer month remove credit report information credit bureaus report agencies believe discover positive credit rat longer credit bureaus another positive account another car loan longer report credit file removals adversely affecxted credit rat ability purchase something lower interest rate never miss payment company car loan inclusive different auto loan destroy credit rat despicable speak today regard issue response process update consumers credit file consumers credit file remove credit bureaus update however know process perform record update correct process timeframes process take furthermore process involve consumers credit report update report exist customers would apply loan pay close however thing credit report therefore process would leave credit rat account pay good faith never miss payment however keep try report latest account repossession account satisfy make corrections back discover yet tamper account remove positive information bureau account pay account prior remove credit bureau entirely leave account bureau believe credit bureau method operations do exist consumers therefore representative give erroneous information account reason submit complaint consumer financial protection bureau base rule implement term enforcement violations consumer right date prior date',
 u'apply loan purchase vehicle month tell would get good deal vehicles purchase later find interest rate charge loan time almost time average consumer credit score come back speak finance manager dealership let go fudge many loan jack many customers interest order make higher commission longer employ company due increase many loan interest consumers pay dealership today date never contact inquire would never know truth apply credit score show approximately think would get lowest interest rate dealership offer instead receive interest rate nearly regular consumer request investigation lend loan service company base follow discrimination base race color gender charge higher rate consumers different race gender color request immediate investigation loan process time apply show everyday factor practice base race investigate transactions company advertise certain price sell vehicles advertise price like bait switch consumer predatory lend clearly everyday factor order finance department make better commission consumer aware process work charge higher rate reason greed fair accurate transaction take account dealership equal credit opportunity act take account gramm leach biley act take account purchase vehicle call back office sign paperwork vehicle possession month tell necessary order get military discount never get discount vehicles price vehicles sell advertise later find ledger still try figure discount charge higher interest rate finance manager deliberately fudge loan consumers different race purchase dealership lower interest rat mine lower credit score purchase vehicle today date discount higher interest rate higher price pay vehicles military rate apply later go somewhere else know truly shock see dealership consumer',
 u'victim mortgage fraudulent activities add misc fee misdocumentation payments refuse modification months send letter state loan modification available simply send letter state various successors mergers loan current investors wo n allow modification obtain pay think reputable attorney able get modification would reveal term make trial payments term sign owe original mortgage pay last years pay another years want pay balloon payment attorney office originally tell sign clarify number since sound bite really nothing do severe miscalculation attorney office send email state need sign overnight document oppose council attorney reply kid give really know turn anymore',
 u'homeownership advisor submit rma sls receive fax confirmation call today check status tell receive',
 u'pull credit file notice target report charge joint account credit file contact target numerous time phone mail contact phone inform could find account social security number would remove credit file send certify letter request remove account agencies also dispute account credit agencies credit agencies respond back state account verify would remove contact target corporate office inform would remove file yet do never account target ever sign joint account holder anyone credit card company also file complaint state attorney general michigan regard matter consider retain legal counsel issue',
 u'hello please help brief file bankruptcy ex husband surrender home bky discharge date home yet foreclose years mortgage part countrywide boa buyout issue foreclosure start stop many time currently case close without foreclose judge year order note go back mtg company close case since remarry work hard rebuild credit even though responsible debt anylonger due bankruptcy still qualify loan years past foreclose date score due home foreclose stop move life purchsing home husband write nurmerous letter well one florida direct assistance see home foreclose within year mine please help way go case assign anyone bury years continue indefinately years years please help home need foreclose former name supply documentation surrender home bky pwk contact original countrywide boa purchase loan',
 u'get flexible payment options originally attend locate fl intention pbank uing however program end finish degree owe worth loan cobank e include combination federal private loan currently make payments towards lend service call lend owe unfortunately current financial situation best make monthly payments almost difficult promise career major thing able give part time job honest feel school many others like great justice order continue education would pay pocket without assistance frank greater tragedy especially someone age whole life ahead',
 u'submit complaint case wrongly report open mortgage balance credit report mortgage actually pay company report credit report acknowledge mistake confirm write would make correction confirmation today six months later three credit report bureaus still report serious delinquency result addition owen telephone number provide letter market scam set make follow difficult possible intentionally opinion request owen ensure credit report bureaus longer report serious delinquency report due mistake result unable refinance current mortgage lower rate estimate impact next five years',
 u'open credit card account macys sales associate put old mail address license notice time ask question current mail address wait card arrive mail month n get one decide give call customer service number mention representative n card like make payment confirm identity ask representative insist ca n take payment till card reason since n card n know payment due date late make payment guy charge late fee will tell due date agree take payment talk person say payment process system call back make payment call back couple days make payment tell late tell day another representative n will take payment n will tell due date make payment time another month call back make another payment repeat thing still receive card yet would like make payment sure late make payment time representative tell miss due date offer verify mail address tell old address record tell case old address record tell go ahead update mail address send new card address also wave late fee n fault tell worry late fee charge receive card month log account find charge late fee last two months decide give call time representative tell want even explain situation ask reimbbank e late fee fault part reach every time say everything document reimbbank e say possible since fault assure charge late fee try make payment time representative tell system feel use deceptive practice charge customers late fee pretext wrong policy share due date even verify identity take payment due date put blame customers due date pass sure vindicate record call record ask share ask wave late fee fault please guide right remedy problem',
 u'get behind payments work b loan modification dept order keep home make arrangement month payoff make higher payments month balance catch able time make payments high enough actually get catch months send letter state approve principal forgiveness home loan letter state want accept offer need anything question call call question specifically ask wait sell home even middle escrow would receive credit principal balance loan would wait period days tell would receive credit even escrow long put house market sell specifically wait close close date discover escrow office read document credit amount still debit column rather credit immediately call b make multiple attempt correct quickly possible b case manager always responsive helpful n discover error b become unresponsive uncooperative provide different information phone time call rout different departments person unable assist department come head desperately try reach find credit show reps b keep tell case manager still would get different response time call rep state credit would available days another days another days frustrate call attorney advise file complaint receive call since good work relationship perform obligations repay modification early call ask contact b day explain issue escrow credit show loan escrow docs buyer force close house go credit reflect statement actually upset none co workers reach call day office assure everything correct wo n reflect receive statement typically generate month know wait statement generate reflect credit would wait sell home date buyer force sale sale go credit amount b update record immediately might still late everything b ask fulfil loan mod months rather sell home longer live particular home feel mislead provide correct information exact date credit would reflect letter poorly write customer service reps seem want help provide incorrect information want send department another completely frustrate give b make money seem like scam fulfill end financial obligation',
 u'open credit card account macys sales associate put old mail address license notice time ask question current mail address wait card arrive mail month n get one decide give call customer service number mention representative n card like make payment confirm identity ask representative insist ca n take payment till card reason since n card n know payment due date late make payment guy charge late fee will tell due date agree take payment talk person say payment process system call back make payment call back couple days make payment tell late tell day another representative n will take payment n will tell due date make payment time another month call back make another payment repeat thing still receive card yet would like make payment sure late make payment time representative tell miss due date offer verify mail address tell old address record tell case old address record tell go ahead update mail address send new card address also wave late fee n fault tell worry late fee charge receive card month log account find charge late fee last two months decide give call time representative tell want even explain situation ask reimbbank e late fee fault part reach every time say everything document reimbbank e say possible since fault assure charge late fee try make payment time representative tell system feel use deceptive practice charge customers late fee pretext wrong policy share due date even verify identity take payment due date put blame customers due date pass sure vindicate record call record ask share ask wave late fee fault please guide right remedy problem',
 u'accept credit card barclays initial disclosure provide indicate promotional rate apr purchase months balance transfer months upon receive card disclosure provide reference promotional rate balance transfer therefore call company discuss tell promotional purchase therefore submit complaint website several back forth responses letter receive still indicate promotional rate purchase already express initially disclose therefore deceptive consumer make credit decision base initially information provide appear false provide link provide term condition card include promotional rate balance transfer concern deceptive practice might conduct https www barclaycardus com apply land action www barclaycardus com app japply lp tncs jsp',
 u'apply credit card accept send welcomepack recived bill shortly bank online try pay bill right away tell could hat need information send morewas tell good get reply within business days never get reply contact tell need info send tell would get back business days never get another bill mail plus email computer call tell last info send n right explain send tell would work would get back hold business days would able pay bill time wait back never contact tell info good enough send information point tell forget take system toldme okay would recive conformation two buissness day never numorous call complaints still system turn credit agency whole process show unpaid bill lowerd credit score enough ino longer qualify home loan get need every thing fine stick stay friends house card never see use force get check pay something n say way pay bill card n never get check mail totally frustaited hole thing',
 u'open credit card years ago interest account low time years ago get notice interest change go prime plus think prime go back several bank option close account stay old term cond lock interest rate till pay new term cond accept close account make payments since time never late history show month past years plus schedule payments online ea month get conformation number payment schedule account do years get conformation number transactions payment due get call home rude man caller id say call card service payment late late charge mean term cond charge irs get send statement think scam tell own still nasty threaten days past due get nasty explain schedule payments conformation care hr plus haurasing hang call customer service hrs later phone people get tell internet dept saw schedule payments say wrong know fix problem apparently time week put new bill system system update take account put un active position payments schedule could find account apply payment make yet new system could apply payment way know find account way ask fix issue idea fix problem people instal new update system input account could see suppose get call someone corp level next day address problem never happen spend another hobank phone way phone go call home phone put hold speak supervisor hrs later never happen call cell phone get supervisor nothing hobank ask thing never get ask credit late fee refuse keep read note put hold come back nothing try explain need do would listen hobank hobank get fill complaint also concern speak attorney yet believe right violate get call threaten speak tell az internet dept fault need fix tell payments late fee refuse service refuse wave fee fault conformation payments always make time never late yet get call home threaten wrong pay wrong really feel violate way also find supervisors speak never record ever speak call center carolina call never never put note speak get right thank time',
 u'pull credit file notice target report charge joint account credit file contact target numerous time phone mail contact phone inform could find account social security number would remove credit file send certify letter request remove account agencies also dispute account credit agencies credit agencies respond back state account verify would remove contact target corporate office inform would remove file yet do never account target ever sign joint account holder anyone credit card company also file complaint state attorney general michigan regard matter consider retain legal counsel issue',
 u'late early receive several voice message email regard credit card immediately contact inform fraudulent charge detect credit card close account protect fraudulent activity alarm account years utilize card years balance limit assure charge would reverse fee associate issue would reverse well also tell charge arise cafe someone purchase coffee snack advise never assure part fraudulent activity representative say would receive new card mail days card arrive contact tell card receive would issue replacement card via priority mail signature require receive replacement card problem entire process new card associate fee replacement fraudulent charge reverse completely promise day late payment credit report fraudulent charge fee total late payment affect qualification approval mortgage process obtain contact discuss matter apologize inconvenience assure fee reverse day late credit report would reverse days acceptable want negative notation impede mortgage loan process impact mortgage interest rate negatively',
 u'recently close pay citizens credit card account ove one month ago today receive call say account past due never send letter mail say owe money request payoff pay balance full attempt report account past due days credit report agencies work tirelessly build credit citizens want destroy never type notification place make aware balance',
 u'give credit limit sear credit card purchase include extend warranty sear yet today still owe tv never miss payment card creditors go unpaid due error correct error give letter submit creditors explain problem also send sear however creditors waive late fee still want double payments pay normal payment get letter state owe another payments plus late fee call speak woman name explain amount money ask would appreciate would let pay lesser amount minimum months get catch agree let pay lesser amount interest months months end interest rate revert tell agree late fee would keep come also would permanently close credit card account payments make appear credit bureau agencies payments pass due law allow feel unfair treat way deliberately report payments agree card order hurt credit first time ever payment issue since card except inquiries balance decrease years account open pinch use card purchase gas car twice time yrs ago able purchase sew machine hardly ever available credit constant use card since balance remain even though pay minimum amount due month telephone sear inquire lower interest rate account balance would go person speak laugh say credit card expect tell n expect spend rest life pay tv add interest rate best could offer time time cancel account care insurance well month accidental life insurance thru still change account balance appreciate advice offer find see another resolution problem thank advance sincerely',
 u'complaint regard credit card payment make make insurance company purchase event life change problem make aware longer conduct business result money pay insurance company well refund send behalf instead send check apply credit bring balance problem right none well however bring balance say payment credit say something pay monthly like go store purchase something return case would credit service provide customers event unable pay bill issue accept payment charge late fee close account report late credit bureaus make numerous attempt reach yet matter resolve recently wife reach office complaint submit receive correspondence woman name work department customer care complaints let start say absolutely rude combative hope never need deal send email state want resolve issue please give call call combative wife resubmit complaint address level dissatisfaction receive complaint go back person one combative problem receive money work hard apply account say n payment n make come insurance company insurance event unable pay bill would pay although longer business company insurance company refund consumers money either send check take money say payment credit cant credit payment make service never render steal charge late fee something n late different friend pay monthly bill cant say apply payment credit someone else pay charge late payments completely unethical',
 u'would like credit full fraudcharges include charge products andservices claim offer notsure apply creditwith company one maybe associate victim fraud feel like scammed agained reason n use credit card norapply credit n feel safe',
 u'call harass account tell wrong person ask remove number tell would ask male female males name live address call constantly call back scream yell frustrate call phone number name person ask',
 u'credit card citicard mail payments week due date post day due date late fee charge company contact tell n control postal service',
 u'card suppose reward fuel purchase upon check statements amex site notice get reward certain gas station inform amex reply business consider gas station even though thats sell gas station part grocery market however gas station stand alone build corner connect anything else sometimes station brand sometimes brand locate co colorado lot gas station somehow part family reward come cash understand use card exclusively fuel find gas station fill consider gas station amex around area tons station ca n one lose cash reward station consider gas station amex card issue lot people amex offer card tons people card get huge amount reward money fuel purchase spend past two years particular gas station see reward reward shop contact amex speak say research find categorization correct far concern funny thing go onto amex account online look purchase say charge automate fuel category transportation fuel say buy groceries grocery store category merchandise supply groceries sure else scammed hundereds dollars past couple years say station gas station fee interaction amex',
 u'dispute time discovercard must cahoots gym join gym sign contract regular membership last decide get personal trainer gym talk say month program need complete months actually go could n finish another story trainer go keep unused sessions later bp better texts texts also prove point even know contract ask trainer sessions expire months get discovercard show charge another fourth month go mailbox directly gym tell hadto cancel trainer sessions least days prior end since n days next bill date would charge another confuse think get months unless sign offerrd keep sessions bp return normal return florida extend trip go home could n figure n know better know next day go back girl behind counter print contract turn original sign trainer wasnt sign n see explain get sloppy also lose anything like diet dietitian original pre workout measurements etc call card tell would take care problem since sign contract also still text message personal trainer ask anything like talk big shots sure keep unused sessions improve months expire tell dont expire need cancel days n think try scam though hope think mess want get like normally would maybe purpose n know know credit company go way dispute evidence show dispute unsigned contract say evidence kind country truly think incompetent cahoots say please help refuse pay afraid ruin credit always strive good citizen must say disenchant could happen nothing mean anything anymore blank contract good enough could ignorant something change contract aware thank help',
 u'hereby write respect prestige card card number reference annual companion ticket become prestige card member upon join time receive documentation prestige indicate applicability travel companion ticket condition refer attach advise change impact prestige card one annual companion ticket however documentation receive prestige refer attach indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date read understand clearly state communication would make book eligible utilize annual companion ticket light sunday even call prestige understand book process trip plan later year wife shock customer service representatives speak say eligible annual companion ticket also perplex inquire eligible benefit provide different reason multiple representatives none make sense include one representative indicate perhaps n comprehend change come prestige card document even though document clearly indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date respect file complaint consumer financial protection bureau furthermore would like highlight disappointment customer service receive regard issue make feel like one error u permanent resident move u bank since time also hold credit card since never disappoint service ultimately representation product summary hereby kindly request prestige uphold eligibility annual companion ticket state communication',
 u'citizens n add fee additional insurance mortgage year year year year request additional insurance remove complete require form submit request information advise insurance would remove call confirm meet requirements prior years insurance remove year law firm become involve make attempt submit form tell today address citizens provide incorrect ask complete resubmit form time additional cost insurance significant year fema flood insurance increase addition personal home owners insurance require seem excessive year go process send form form call call usually get tell remove never n feel practice appropriate process nearly impossible especially someone work full time feel information deceptive additional insurance requirement add later loan origination disclosures send obviously n want enable consumer remove reduce add insurance matter much additional coverage homeowner personal policy',
 u'use gift card make purchase maximize value card discard return merchandise vendor credit issue gift card amount contact find get credit give run around tell submit first digits gift card number track number issue get number vendor submit tehinformation national association contact tell fax copy return item receipt name telephone number mail address email address teh unit fax information date receive credit response',
 u'may concern submit complainant letter yawl send state complaint something do complaint let know let know truth matter give info info lawyer give ford forgery business ware else say company business home n one base payment something lawyer say lie business never business document give lawyer',
 u'homeownership advisor submit loss mitigation email address xxxxxxxxxxxx bounce back go loss mitigation website confirm email address blank page',
 u'previous mortgage servicer sell loan service prior transfer escrow analysis report complete payment lower result months loan transfer complete receive new escrow analysis completely different give previous servicer cms state escrow shortage result payments would go immediately know something right read hear poorly company rat customer complaints review decide send entire shortage amount keep payment go call cms service number u nable reach anyone days speak reps get instruction send amount speak person write check mail state address information request next statement notice receive instead apply money call shortage put suspense account call get girl phone blatantly lie tell request move escrow account correct shortage send needle say happen call different time tell false information furious company refuse process escrow payment nerve send another escrow report month tell shortage top keep previous amount send mortgage servicer crook dishonest determine force people account issue even current status customer service poorly train expect lie rank bottom list consumers terrible experience company fear enough search way company practice frauduently increase mortgage payments bogus escrow analysis claim must stop want previous servicer back',
 u'endorse erect intangible system culture take advantage fha program borrowers experience prove case concern best interest could within knowledge diligence persistence power favorable outcome behalf crux grievance originate hard work expertise find buyers property seemingly naught begin short sale request realtor broker able find buyer cash proof financials legitimate documentation give application process realtor broker inform document administer system difficulty find neither realtor broker inform change make system would hinder process fact documentation fail process receive decline unfortunately due realtor broker mother untimely pass elect switch broker broker find buyer right away broker offer cash appropriate proof financials authorizations documentation offer approximately first offer second experience improprieties challenge first e update officials concern status short sale request broker receive declinations letter work behalf miscommunication lack communication part since onset short sale request lack continuity inconsistency negotiators manage file broker rarely able speak negotiator familiar case failure provide inform update broker status case mishandle documentation system general lack knowledge system supposedly quickest effective apparatus expedite document short sale professionals customary request short sale initiate reopen least time escalation team hud office president go cancellation modification take considerable amount time short sale professionals understand full protocols cod modification short sale process precede declination letter state fail provide documentation without clear explanation documentation miss need fax document short sale negotiator via branch virginia branch professionals notarize speak negotiator need expedite process however application deadline negotiator state never receive document request short sale foreclosure home take effect',
 u'discover credit card holder since entire membership never late payments always stay credit line never charge credit card purpose make legitimate purchase also credit score always keep good stand last month without notice advance close account thereby wipe long credit history associate card contact company demand explanation however answer get longer able meet service need meantime cashback reward wipe call ask cashback tell add remain balance return check however weeks still n receive check regard cashback reward upon discussion learn internet seem close target large number cardholders particular racial ethnic background without grind thus respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like close indeed motivate racial bias company action put end thank time consideration',
 u'continue charge late fee within day window pay mortgage within day window e payment due pay charge late fee',
 u'credit card holder since entire membership never late payments always stay credit line never charge credit card purpose make legitimate purchase month ago without notice advance close account thereby wipe exist cashback reward contact company demand explanation however reason get longer able meet service need tell reward mail check weeks still n receive check regard reward respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like',
 u'trouble payments handle company handle private loan call xxxxgreatlakes recently notice apply payments correctly monthly payment due month end pay instead pay balance though company use extra amount set aside label pay ahead total thus prevent quickly reduce balance contact several time representative refuse apply past extra amount future excess payments balance right nothing ask help already burden massive amount student loan debt add feel hopelessness',
 u'mortgage loan foreclose home even though already pay also arrange insurance make money premiums want money back take care brother year old mother barely afford bedroom apartment sleep chair brother bedside',
 u'purchase gap coverage performance ford nj new finance representative performance ford sell gap coverage suggest keep year cancel gap coverage primary reason keep gap coverage year market value car closer loan amount end first year case gap coverage wo n require agree per discussion time car purchase call performance ford cancel gap coverage',
 u'mortgage request pay quote follow day along wire instructions attempt make pay request phone inform need make email customer service representative agree email wire instructions arrive follow day still proceed email pay request pertinent email address pay request good date friday still receive pay information avoid accrue interest charge esp weekend wire pay fund around today use amount provide via automate phone system require wire receive later consider time day also caution phone system quote may use actual pay liquid fund wait pay since excessive wait period fund earn interest still pay interest charge mortgage pay mortgage recently usually day process receive pay amount wire fund',
 u'take heloc sell house use heloc close balance letter title co move daughter xxxxmet new rep wealth management transfer assets chkg save account new address daughter mtg inquire use monies assets advise penalty could take personal loan use assets take personal loan payments ckg account months upon return notify lien property call immediately correct bofa close old account change continue keep heloc lien property past years try correct avail boa finally take lien state unsecured loan interest payments months years several letter represenatives different stories situation always end document sign bind legal document even ceo office advocate could get straight lien yes lien heloc yes heloc please help even primary doctor write ask resolcve make ill husband axxxx years pass serve total years country highly decorate tell intention always pay dispute way handle mention amount pay change amount xxxxnow say lie sell house tell also continue send please feel free contact need additional information everyone ask help tell big play thank advance consideration matter',
 u'fha mortgage divorce husband give house divorce settlement try get modification deny mortgage somehow sell management service longer fha mortgage work complete short sale demand find buyer will pay original outstanding principal balance current appraisal value go foreclosure auction force declare bankruptcy come deficiency afford allow sell fha loan convert conventional loan non hafa participant allow acquire mortgage rushmore totally uncooperative expect house non insurable aluminum wire need new roof sell worth far ever owe',
 u'service continue report mortgage pay active pay months attempt call could n really understand call center employee say ask speak supervisor put hold finally hang company nightmare deal day acquire loan service online phone systems difficult navigate event issue need resolve',
 u'review lender months modification request document send postpone sale date every thirty days request document statements send last month despite confirm sale date would postpone go forward sale today confirm last night would postpone today change tune unfair comply last request fail provide options foreclosure completely lie foreclose property',
 u'despite provide evidence flood insurance coverage responses prior mail request evidence myriad phone call horrible customer service line condo association provide evidence ongoing coverage continue threaten place lender purchase coverage almost consumer pay perfectly always respond inquiry protect unwarranted fraudulent threats',
 u'wife fha back yr mortage service sign file chapter bankruptcy protection include mortgage file mortgage payments arrearages service per trustee agreement time without prejudice even attempt refinance mortgage much advantageous rate finally find someone fha streamline mortgage inform file insurance claim fha mip due loan delinquent mortgage pick inform would new loan servicer also tell longer fha loan accord caliber idea could take fha loan prevent streamline refinance put status inform mortgage addition still pay fha mip payments mortgage payments mortgage since caliber take mortgage well yet mortgage payments reduce significant drop homeowners policy well',
 u'temporarily postpone payments hello university ohio write inquire term ground harassment regard student loan lend company struggle find stable secure position within degree field every intention pay back owe debt however position possess financial mean pay lump sum demand plead deferment find job add stress burden call house dozens time day hobank day early morning till later also call grandparents yesterday today contact close friend knowledge law come something pertain predicament wits end plan pay save get subside time devote time find stable job thank',
 u'plain simple apply mortgage everbank close loan time without threat lawsuit order make happen close receive copy everbank send behalf irs obtain tax return unfortunately signatures document obank someone operations department forge signatures submit request notify loan officer submit suspicious activity request sar within everbank unfortunately everbank eliminate job co workers hear nothing lender file complaint due lack communication resolution find simply forge signatures',
 u'hop help resolve feel unfair report unclear communication prior lender old account default regard auto loan previously finance voluntarily repo car however currently show accurate pay history credit report communicate remove due year rule understand fair credit report act creditor suppose remove longer report negative item years late payment negative information show account number account xxxxmy name xxxxmy social dispute credit buros send letter receive form letter response answer question regard pay history would cease report negative information credit report would like remove soon possible feel yet suppose remove legally least owe clear explanation schedule remove ally address isbank mn find work phone number discuss credit report department thank cel',
 u'single point contact file ever refer spoc dept never get prompt system provide modification agreement without term maturity date',
 u'best buy credit card couple years recently notice last statement charge go dispute charge best buy credit card site option availible go back statement notice charge fee every month start wonder case since credit card really make want pay card never business best buy never sign service would ever want stick local credit card provide credit union fee statementsxxxx',
 u'problems customer service son private student loan originate service education service co signer loan file bankruptcy son student loan school deferment aes allow loan deferment short period time time pay monthly installments son start experience difficulty pay loan send payment aes request assistance low payments meantime aes call email several time time days late contact ask discontinue contact bankruptcy request assistance payment program would manage aes ask get copy letter creditor bankruptcy son forward weeks later saw loan first deferment review account saw list default send email aes advise default request several time assistance however reply receive auto email message advise receive communication communication send advise place loan default communication could contact resolve issue bankruptcy discharge receive collection letter loan default ask full payment letter collection agency reference loan default correct since son make payment active communication aes account aes lock give ability pay loan private loan thru place forbearance bankruptcy discharge pay loan monthly aes one decide put loan default without advise option resolve pay loan one communicate loan undergraduate degree son obtain university georgia',
 u'finance home local lender think support community cobank e paper sell least mortgage rest oh receive escrow analysis date inform shortage payments increase pay time last months due increase premiums cancel expiration change insurance company start premium principal interest',
 u'contact mortgage service company regard homeowners insurance take time pay finally pay pay multiple time result negative escrow account',
 u'lend attempt add force hazard insurance premium property despite adequate coverage require flood insurance property within fema guidelines',
 u'lease car ally months fulfil term purchase vehicle notice discrepancy lease agreement residual price purchase price car dealership husband purchase vehicle question discrepancy salesman call ally several phone call get disconnect transfer several time finally get someone could answer question believe tell fee pay bad lease past stop lease car furthermore fulfil lease pay someone else bad debt ask supervisor speak slight foreign accent tell non negotiable go ally go dealership salesman finance manager deny actually get bite irate point speak husband think speak salesman however husband introduce name salesman confirm residual value number work get lease term car purchase price end lease charge car residual value cobank e finance already upside value car love everything dealership professional every way let complaint reflection hand tie ally n right thing feel cheat take advantage happen saturday hobank eastern standard time please see attach lease agreement',
 u'dispute merchant regard hardwood floor purchase spend several months work directly merchant contact dispute charge investigation credit purchase price floor decision dispute merchant give respond request additional information receive letter mail state deadline upon call request additional time state late response lose case speak multiple individuals claim department regurgitate response',
 u'request line increase credit card form week apply loan credit score extremely low report show credit card show limit almost one year contact say never approve increase however let go credit card limit allow purchase',
 u'dispute time discovercard must cahoots gym join gym sign contract regular membership last decide get personal trainer gym talk say month program need complete months actually go could n finish another story trainer go keep unused sessions later bp better texts texts also prove point even know contract ask trainer sessions expire months get discovercard show charge another fourth month go mailbox directly gym tell hadto cancel trainer sessions least days prior end since n days next bill date would charge another confuse think get months unless sign offerrd keep sessions bp return normal return florida extend trip go home could n figure n know better know next day go back girl behind counter print contract turn original sign trainer wasnt sign n see explain get sloppy also lose anything like diet dietitian original pre workout measurements etc call card tell would take care problem since sign contract also still text message personal trainer ask anything like talk big shots sure keep unused sessions improve months expire tell dont expire need cancel days n think try scam though hope think mess want get like normally would maybe purpose n know know credit company go way dispute evidence show dispute unsigned contract say evidence kind country truly think incompetent cahoots say please help refuse pay afraid ruin credit always strive good citizen must say disenchant could happen nothing mean anything anymore blank contract good enough could ignorant something change contract aware thank help',
 u'continue charge late fee within day window pay mortgage within day window e payment due pay charge late fee',
 u'hereby write respect prestige card card number reference annual companion ticket become prestige card member upon join time receive documentation prestige indicate applicability travel companion ticket condition refer attach advise change impact prestige card one annual companion ticket however documentation receive prestige refer attach indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date read understand clearly state communication would make book eligible utilize annual companion ticket light sunday even call prestige understand book process trip plan later year wife shock customer service representatives speak say eligible annual companion ticket also perplex inquire eligible benefit provide different reason multiple representatives none make sense include one representative indicate perhaps n comprehend change come prestige card document even though document clearly indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date respect file complaint consumer financial protection bureau furthermore would like highlight disappointment customer service receive regard issue make feel like one error u permanent resident move u bank since time also hold credit card since never disappoint service ultimately representation product summary hereby kindly request prestige uphold eligibility annual companion ticket state communication',
 u'credit card financial difficulties get couple months behind card call make arrangements card pay months get catch give account info take money automatically card able pay full call make payments phone days later go online check account reflect new balance find note say account suspend call ask mean say could longer use account would remain open would still get yearly charge could use inform take money nearly would able use card anymore also check credit report days late never update balance zero still report old balance',
 u'best buy credit card couple years recently notice last statement charge go dispute charge best buy credit card site option availible go back statement notice charge fee every month start wonder case since credit card really make want pay card never business best buy never sign service would ever want stick local credit card provide credit union fee statementsxxxx',
 u'recently send online secure message ask lower interest rate approve another much lower interest rate also inquire give low credit limit consider approve new low interest rate high credit limit refuse respond write respond via online secure message try get call ask matter escalate corporate office write response instead someone leave voicemail message call back legal right insist communications bank credit card company write via online secure message go online activate new card block receive account restrict message already warn would file regulatorydept complaint continue fail respond write restrict new account file complaint clearly act retaliation regulatorydept fail appropriately address matter instead simply send response consider matter close report congressman well post internet clearly indicate regulatorydept dummy agency create sole purpose keep occ handle consumer complaints',
 u'credit card holder since entire membership never late payments always stay credit line never charge credit card purpose make legitimate purchase month ago without notice advance close account thereby wipe exist cashback reward contact company demand explanation however reason get longer able meet service need tell reward mail check weeks still n receive check regard reward respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like',
 u'misguide close platinum card account say could still use membership reward days card close card close could longer redeem reward try reopen card use reward reject application reopen card cite credit reason feel treat unfairly cardholder years feel cheat reward advise close card stipulate could still access reward',
 u'look credit card statement bestbuy saw charge',
 u'request line increase credit card form week apply loan credit score extremely low report show credit card show limit almost one year contact say never approve increase however let go credit card limit allow purchase',
 u'hereby write respect prestige card card number reference annual companion ticket become prestige card member upon join time receive documentation prestige indicate applicability travel companion ticket condition refer attach advise change impact prestige card one annual companion ticket however documentation receive prestige refer attach indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date read understand clearly state communication would make book eligible utilize annual companion ticket light sunday even call prestige understand book process trip plan later year wife shock customer service representatives speak say eligible annual companion ticket also perplex inquire eligible benefit provide different reason multiple representatives none make sense include one representative indicate perhaps n comprehend change come prestige card document even though document clearly indicate annual companion ticket travel worldwide destination save airfare must book within year first cardmember anniversary date respect file complaint consumer financial protection bureau furthermore would like highlight disappointment customer service receive regard issue make feel like one error u permanent resident move u bank since time also hold credit card since never disappoint service ultimately representation product summary hereby kindly request prestige uphold eligibility annual companion ticket state communication',
 u'dispute time discovercard must cahoots gym join gym sign contract regular membership last decide get personal trainer gym talk say month program need complete months actually go could n finish another story trainer go keep unused sessions later bp better texts texts also prove point even know contract ask trainer sessions expire months get discovercard show charge another fourth month go mailbox directly gym tell hadto cancel trainer sessions least days prior end since n days next bill date would charge another confuse think get months unless sign offerrd keep sessions bp return normal return florida extend trip go home could n figure n know better know next day go back girl behind counter print contract turn original sign trainer wasnt sign n see explain get sloppy also lose anything like diet dietitian original pre workout measurements etc call card tell would take care problem since sign contract also still text message personal trainer ask anything like talk big shots sure keep unused sessions improve months expire tell dont expire need cancel days n think try scam though hope think mess want get like normally would maybe purpose n know know credit company go way dispute evidence show dispute unsigned contract say evidence kind country truly think incompetent cahoots say please help refuse pay afraid ruin credit always strive good citizen must say disenchant could happen nothing mean anything anymore blank contract good enough could ignorant something change contract aware thank help',
 u'go frontier airlines website purchase ticket upcoming trip website banner ad still state get air miles take frontier airlines mastercard barclay say must pay annual fee spend within days receive approval book card argue year receive air miles finally determine due air miles use card soon nothing site tell would appear intention site get take card may buy ticket problem would will bet people well false advertise predatory say least',
 u'discover credit card holder since entire membership never late payments always stay credit line never charge credit card purpose make legitimate purchase also credit score always keep good stand last month without notice advance close account thereby wipe long credit history associate card contact company demand explanation however answer get longer able meet service need meantime cashback reward wipe call ask cashback tell add remain balance return check however weeks still n receive check regard cashback reward upon discussion learn internet seem close target large number cardholders particular racial ethnic background without grind thus respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like close indeed motivate racial bias company action put end thank time consideration',
 u'complaint regard poor reward system terrible structure policy company go credit card consumer least credit card various different company hand worst company ever deal even though meet spend requirement require pay balance wait next month close date point remain pending status well days process even fulfil requirement pay balance wait next close date point still unavailable never credit card take days receive point miles even though fulfil requirements literally worst credit card company ever nothing bad things rave never recommend friends family sure discontinue relationship one full year near fix reward system policies never use credit card company ever inconvenience lack flexability reward system never earn business experience credit card consumers',
 u'pay card get statement pass due new bal min pymt',
 u'use gift card make purchase maximize value card discard return merchandise vendor credit issue gift card amount contact find get credit give run around tell submit first digits gift card number track number issue get number vendor submit tehinformation national association contact tell fax copy return item receipt name telephone number mail address email address teh unit fax information date receive credit response',
 u'dispute merchant regard hardwood floor purchase spend several months work directly merchant contact dispute charge investigation credit purchase price floor decision dispute merchant give respond request additional information receive letter mail state deadline upon call request additional time state late response lose case speak multiple individuals claim department regurgitate response',
 u'send credit card solicitations address father die years ago call ask get information person speak n really answer send credit card solicitations dead person sound shady b open invitation fraud father good name company get information father like stop father sake others also get solicitations thank',
 u'corporation dissolve credit card issue corporation never sign personal guarantee lose business begin receive bill collection notice revolve account ask creditors provide proof personal responsibility corporation many months years correspondence still provide proof attorney correspond still receive evidence personal responsibility veteran old collection account affect credit keep lower interest rate',
 u'lease vehicle inquire purchase option recognize purchase option amount contract equal residual fee purchase option amount quote higher residual value state contract',
 u'pnc service mortgage file bankruptcy chapter state bankruptcy go sell house short sale could afford would move affordable area four months file sell house time buyer pay cash question fund pnc give run around year never approve deny short sale keep ask new paperwork always different contact would always lose paperwork ask speak actual holder loan pnc refuse give information year buyers finally back end sight since find original lender never even tell pending sale ask realtor happen say pnc get money government month short sale pending wait till value house go enough would n short sale addition pnc refuse acknowledge bankruptcy refuse lower payments set forth bankruptcy court currently close second sale house short sale say would take days get payoff amount worry incorrect base owe penalties original full payments feel wrong deliberately hold sale house would incur additional charge penalties also feel like money receive government hold sale credit back account n know know realtors several issue pnc short sales take mos give single point contact mos send appraiser please let know know payoff amout go give wrong recobank e get fix loan pay people incompetent scare',
 u'complaint file card department family recently travel use dividend card plan trip purchase ticket however first day trip bag lose company purchase clothe toiletries necessities group luggages return day later file baggage loss protection claim benefit assistance center instruct fill form collect relate documentation submit form attach copy ticket baggage claim form airport irregularity report documentation back benefit assistance center follow day receive email benefit assistance center claim decline card cover baggage delay protection day reply email proof card fact cover lose baggage protection claim admin acknowledge card include lose baggage protection cover baggage delay protection ask difference claim admins say difference delay bag delay eventually get back lose airline officially declare bag lose mean never get bag back confuse realistically would know airline lose bag whether bag go delay actually lose would able make judgement time loss whether expense toward necessities clothe next day go cover suggest purchase travel necessities bag could delay instead lose would cover long bag return point even trip possibly weeks months later figure exactly whether bag go return time lose airline company protect way citicard response make sense ask documentation term service statement would like understand legally make claim response get get guide benefit need contact card look online com contact customer service team respond follow unfortunately secure message center citicard unable assist question concern issue lose luggage benefit must address representative benefit provider please contact benefit provider directly issue may appear case different card divisions make technicality issue exploit term languages actively find ways protect members interest clearly benefit affect loss unable find help matter file complaint hopefully find way communicate someone please help get issue address thank much',
 u'misrepresenatation change trust loan term loan launder trust predatory loan violate multiple federal consumer protection laws include respa tila rushomore create along new loan trust piggbank creation anew trust loan complain cfpb since happen receive notice credit bureau loan create rushmore loan mgt service offices point website maturity date change impossible loan amortize rushmore rep tell would refuse give amortization statement would show full amortize balloon payment company defraud years text complaint send demand document contact v p well write past since cut online mortgage service site could get information coordinate allege foreclosure strategy manufacture default today receive notice rushomre make payment website cancel check side complaint inquiry maturity date loi write tell representative several years ago loan fully amortize zero would fully pay since year loan balloon payment maturity date state website calculations loan pay payment rate per nonth seven years request amortization statement would document statement refuse tell write letter time write inquiry order request full amortization schedule show mortgage balance representative tell balloon payment fully amortize balance loan maturity date plus equal addition credit bureau send notice also rushmore report create new trust loan home without permission tila respa notice requird recent supreme court legal decision truth lend laws must comply request loan docs new maturity mortgage loan never apply approve rushomre send notice credit bureau notice digit account number assign rushomre new trust year loan please advise provision usregulatorydept supreme court go see loan docs year loan include settlement docuemnts promissory note modification docuements loan receive predecessor effect balloon payment loan since maturity date seem change someone house underwater crash may difficult refinance remain balance mortgage n apply trust loan modification would result maturity date also receive letter receive payment fo website say side',
 u'lease vehicles last decade never issue lease complete use mile mile lease vehicle perfect condition worth residual payoff balance decide purchase another vehicle poor service offer vehicle trade however payoff quote issue dealer contractual payoff purchase car tell brand practice prevent customers purchase brand believe would treat customers poorly order make',
 u'start loan process courteous tell eligible special loan program loyal customers credit score also excellent many options available please offer program could pay avoid private mortgage insurance choose mortgage prompt courteous enjoy deal end sort positive experience remainder deal turn communication promptly come halt despite request send confirmation receipt document ignore also fail process paperwork timely manner take week let know could n download important piece loan documentation also submit file jump ridiculous hoop validate information already two business days close loan pull n even tell jump even hoop cancel move deal unbelievable amount stress try get loan sort loan finally go deal exceptionally good title company close il driver license expire assure would problem close dismay find assess private mortgage insurance cost month next years close company tell would need sort close day close receive word hobank end business day pull fund yet expire license offer additional form identification passport refuse anything current state id scramble find unpack personal document get local state identification center span hobank small exhaust children tow awful company would n even allow full business day get documentation literally race clock night deal see horribly treat title company hold impromptu meet decide would refuse deal home loan think speak volumes contact review phone record rectify private mortgage insurance issue promise call back later initial contact fail contact back contact customer relations department say would review record contact back later also fail call reach via phone email nobody company care respond lie term loan phone record proof addition loan process simply unacceptable people contact nobody return call complaints',
 u'years contract close home less days fico score point shy get home add current chrysler capital account trade line credit report help bring fico score point solution use entire save account pay credit card report trade line hop possibly gain point make request chrysler capital report account three credit bureaus state complete due diligence pull file show report account state fcra fine report account upset customer always pay time hinder get home along soldier try establish credit secretary vice president state way could report auto loan three bureaus commander write command letterhead relinquish right protect scra report account soldier never request use scra first place advise give right protect scra order report account credit bureaus offensive concern great deal company would even suggest military members give situation chrysler capital reach today lady vice president office state position since report bad credit per scra guidelines policy report credit bureaus soldier begin ask want take advantage cap interest rate per scra guidelines enrage ask want interest rate penance report account credit bureaus scra guidelines eligible cap know n loan incur prior join military lack ability pay current interest rate chrysler capital office right recently purchase vehicle chrysler capital brief situation extremely concern vehicles may report credit report aide establish fix credit history chrysler capital n report military member credit believe right know prior finance loan could hurt young soldier try establish credit due serve country chrysler capital refuse report account credit bureaus also hope soldier get lure idea chrysler capital provide interest rate cap active military members untrue side note trade car previous auto loan chrysler capital well report credit report reason chrysler capital report current auto loan credit report due diligence state pull file run social security number see military put block account auto loan report credit bureaus say require per scra submit complaint shine light fact chrysler capital discriminate member report bureaus',
 u'may concern close credit card reason n comply totally go federal trade commission fair credit report act consumer financial protection bureau stand term fair credit lend responsible business practice refuse credit even though qualify responsibly maintain credit card diamond prefer member credit card holder little month day call customer service meet woman like normal take info conversation progress realize person someone know personally person use engage conversation escalate quickly realize time progress realize eventually say know whole time would continue conversation way threaten way abusive customer service representative also know personal level go berate personal problem go allow diverge topic account attempt speak supervisor request refuse eventually hang state go go corporate go way cancel card responsible card way threaten abusive conversation contrary representative abusive threaten nature even apologetic rep behavior learn situation make situation even ridiculous right conversation take place issue value customer credit dollars go issue issue credit verbal apology employees behavior admit issue wrong part turn back around close account credit appear statement provide official documentation upon request congrats value customer credit post date reference number merchant country purchase later day come find customer service ban call service center anymore reps complaint get letter state contact regard prefer r visa r account speak abusive threaten conversation base decide longer accept phone call future question account please send inquiry sd thank cooperation sincerely customer service team call executive office south dakota obviously escalate customer service center rep state ban permanent term call cs next day call back check balance come find account close ask receive letter send say revise version letter closure account contact regard r diamond prefer r visa r account speak abusive threaten conversation base decide longer accept phone call future question account please send inquiry sd thank cooperation sincerely customer service team',
 u'account post discrepancies ref ticket case open service llc since investigate post discrepancy account ref ticket call customer service get update progress tell n note update account indicate progress make rather representative even accuse submit bogus data task submit statement prove payments property sales agreement schedule settlement demand expedite resolution avoid inflate payoff amount compare show send payments sls account detail believe find problem show table begin ufu unapplied fund unidentified payment payment post account awful shape since never recover back want sls correct post problem resolution later sales settlement may pay inflate payoff amount would like refund check sls amount miss payment plus penalties consequently occur due post error',
 u'house va sell short sale gmac cover mortgage mortgage gmac transfer mortgage service owe research say owe disregard letter mail enter info never take credit report still adverse account loan transfer whose loan administration months research find n owe either pay short sale remove loan credit report remove see people problem many problems currently alert look government law suit pending approval want lawsuit would like credit report since never since begin gmac attorney general va send check internal audit send illegal handle sale loan gmac way make many problems financial issue nothing transfer call understand issue n speak good english n understand either read script never understand problem hang agree remove still talk matter please help long stress level roof anything help would greatly appreciate',
 u'offer gift card apply abank card click link apply compliedwith requirements requirement make xxxxpurchase card within months say thatthe purchase months icontacted say know nothing theoffer contact management saidi apply right card deny anyknowledge offer although website would apply card offer',
 u'temporarily postpone payments alert update way accountant entire irs refund take take years find job finally find job able collect income tax take small amount able recoup single mother children go back school yrs old choose school job placement report payment history n able pay find job credit bureaus receive letter solutions days ago put aside apprehension receive news today refund tempt open letter find information keep people take everything finally able obtain future taxable income never even give opportunity get job pay loan back distraughtly concern',
 u'problems customer service student loan obtain mine company amercian education service naitonal collegiate trust inform account result still send account collection agency collection collections agencies advise account result continue forward debt buyers',
 u'home missouri sell aside usual issue yes miss many payments failure citimortgage provide certify true copy note thus ensure authority foreclose problems send qwr qualify write request address many concern question account cc name husband chap attorney qwr send half assed response concern choose ignore go cost home gt believe slow methodic intent put far debt option loose house begin agree complete forbearance repayment w payment double payments start make regular payment wo n accept account put payment numerous time payment reject account stop get mthly state ments wonder double payments disbbank ed ask itemize report get statement mths behind could n find acct never take forbearance ask official explanation get nothing purposeful negligence never take responsibility put position never overcome get do struggle w payments get acct right go shock disbelief mad gt year n concern accumulate debt start work loss mitigation loan modification applications blur constant submission paperwork lose expire turnover personnel finally complete app hope resolve days last hear refer foreclosure application incomplete work loan mod app approx mths offer hamp say request incomplete repayment plan amount payments every month husband file chap dismiss tell go foreclose gt think new legislation effect try keep people home citigroup call way business still screw people live ask lower interest pay since nothing find last double payment make never credit account plus approx unaccounted present charge monthly drive inspections charge appraisals months send check w letter state late fee do accordance w note ask oppose calculate answer another reason n want work home appraise ask itemize break pay amount n happen send debt validation letter ask entire payment history get present yrs prior proof violations service standards cease desist order tila respa gt pay approx loan interest alone want pay something get wrong live small town ca n find attorney file injunction federal court stop foreclosure hate think could possibly win start believe justice',
 u'serious problems mortgage escrow account citimortgage private mortgage insurance pmi release pay statement issue cancellation pmi mortgage statement come change pay amount due statement receive letter citimortgage pay new monthly amount due receive monthly statement different amount due letter call citimortgage give yet another different amount due meantime deduct money escrow account money reflect new balance call one customer service rep say n know money go maybe issue check could confirm information think money take escrow account nothing happen call tell money go somewhere n toward principal could determine money email respondent give date pmi cancellation date letter citimortgage state cancel information also send appraiser choose citimortgage pay ugh recently take money escrow idea money either addition ca escrow laws different acknowledge understand laws point pay amount statement owe escrow discrepancy money remove escrow refund credit know summarize n know monthly statement amount give correct idea excess escrow payments go could provide assistance even phone number beyond citimortgage customer service number could escalate would sincerely grateful thank much time best wish ca cell work home',
 u'last submit victim credit card freud need account resolve',
 u'loan sell short time later service everything fine service transfer every payment make time full send letter demand almost catch escrow account immediately call servicer explain escrow balance short could explain balance begin year monthly escrow payment amount tax insurance offer send pay history help figure think responsibility ask note escrow account shortfall dispute research pay history would reconvene soon chance review documentation documentation take three weeks arrive come chance review immediately contact instructions morning someone state call demand payment full escrow shortfall agreement new monthly payment nearly explain previously speak someone investigate shortfall state immediately pay increase amount would record history short pay negative information would report credit report agencies explain inappropriate enough time review documentation consider request dispute point become argumentative threaten sort raise voice call go hour argumentative harass tone never miss short pay mortgage payment since first home purchase years ago excellent credit history payment history company use strongarm tactics threats disappoint',
 u'try activate renewal phone number card get bunch personal question offer cruise plus fee could get activate card finally call tel bill resolve',
 u'essentially refuse perform escrow account analysis raise escrow payments originally take service certain overage account analysis typically perform expect receive notice say fairly substantial overage would receive check within days receive notice say previous notice error second escrow account analysis would perform wait update hear nothing contact second escrow account analysis never perform although nobody could tell tell would take weeks find analysis perform promise business days perform new one request new analysis perform time call check status analysis tell indeed substantial overage check en route receive communications call check status tell escrow account analysis actually perform point tell appear start analysis fail complete ask transfer woman whose job apparently solve mysteries name id contact number agree appear due refund could determine analysis fail perform promise many different occasion ask give hobank determine problem say would call back hear hobank later leave message contact number provide yet receive return call account current nine years since secure mortgage never late unable get straight answer problem approach six months late annual escrow account analysis one many problems since take service loan address individually failure perform simple escrow account analysis keep money pocket rightfully obank situation easily rectify months ago',
 u'essentially refuse perform escrow account analysis raise escrow payments originally take service certain overage account analysis typically perform expect receive notice say fairly substantial overage would receive check within days receive notice say previous notice error second escrow account analysis would perform wait update hear nothing contact second escrow account analysis never perform although nobody could tell tell would take weeks find analysis perform promise business days perform new one request new analysis perform time call check status analysis tell indeed substantial overage check en route receive communications call check status tell escrow account analysis actually perform point tell appear start analysis fail complete ask transfer woman whose job apparently solve mysteries name id contact number agree appear due refund could determine analysis fail perform promise many different occasion ask give hobank determine problem say would call back hear hobank later leave message contact number provide yet receive return call account current nine years since secure mortgage never late unable get straight answer problem approach six months late annual escrow account analysis one many problems since take service loan address individually failure perform simple escrow account analysis keep money pocket rightfully obank situation easily rectify months ago',
 u'complaint file card department family recently travel use dividend card plan trip purchase ticket however first day trip bag lose company purchase clothe toiletries necessities group luggages return day later file baggage loss protection claim benefit assistance center instruct fill form collect relate documentation submit form attach copy ticket baggage claim form airport irregularity report documentation back benefit assistance center follow day receive email benefit assistance center claim decline card cover baggage delay protection day reply email proof card fact cover lose baggage protection claim admin acknowledge card include lose baggage protection cover baggage delay protection ask difference claim admins say difference delay bag delay eventually get back lose airline officially declare bag lose mean never get bag back confuse realistically would know airline lose bag whether bag go delay actually lose would able make judgement time loss whether expense toward necessities clothe next day go cover suggest purchase travel necessities bag could delay instead lose would cover long bag return point even trip possibly weeks months later figure exactly whether bag go return time lose airline company protect way citicard response make sense ask documentation term service statement would like understand legally make claim response get get guide benefit need contact card look online com contact customer service team respond follow unfortunately secure message center citicard unable assist question concern issue lose luggage benefit must address representative benefit provider please contact benefit provider directly issue may appear case different card divisions make technicality issue exploit term languages actively find ways protect members interest clearly benefit affect loss unable find help matter file complaint hopefully find way communicate someone please help get issue address thank much',
 u'last submit victim credit card freud need account resolve',
 u'acct yesterday credit report pull show report credit report agencies owe grant discharge debtor chapter bankruptcy debt include notice send attorneys office credit report state owe debt also state account close consumers request state profit loss state bankruptcy chapter bankruptcy discharge balance please correct soon possible extreme negative report show charge sure company write long ago need necessary documentation prove position attorney call answer question case contact email xxxxxxxxxxxx',
 u'excellent credit credit score delinquencies current balance pay balance month yet every time apply card barclay deny barclay card excellent history send online secure message barclay refuse address also refuse escalate matter corporate office sick tire treat like garbage bank lie cheat steal loyal customers completely inappropriate especially customers excellent payment record deserve explanation write keep happen regulatorydept responsibility see issue address write blow complaints merely send copy lame response complainant',
 u'complaint file card department family recently travel use dividend card plan trip purchase ticket however first day trip bag lose company purchase clothe toiletries necessities group luggages return day later file baggage loss protection claim benefit assistance center instruct fill form collect relate documentation submit form attach copy ticket baggage claim form airport irregularity report documentation back benefit assistance center follow day receive email benefit assistance center claim decline card cover baggage delay protection day reply email proof card fact cover lose baggage protection claim admin acknowledge card include lose baggage protection cover baggage delay protection ask difference claim admins say difference delay bag delay eventually get back lose airline officially declare bag lose mean never get bag back confuse realistically would know airline lose bag whether bag go delay actually lose would able make judgement time loss whether expense toward necessities clothe next day go cover suggest purchase travel necessities bag could delay instead lose would cover long bag return point even trip possibly weeks months later figure exactly whether bag go return time lose airline company protect way citicard response make sense ask documentation term service statement would like understand legally make claim response get get guide benefit need contact card look online com contact customer service team respond follow unfortunately secure message center citicard unable assist question concern issue lose luggage benefit must address representative benefit provider please contact benefit provider directly issue may appear case different card divisions make technicality issue exploit term languages actively find ways protect members interest clearly benefit affect loss unable find help matter file complaint hopefully find way communicate someone please help get issue address thank much',
 u'hello victim freud make many attempt resolve credit card use report company without resolution',
 u'sister initiate credit card payment online bill payment system l l bean visa barclay original credit card balance due amount enter sister error payment uncover payment authorize user account immediately call bank barclay inform would return original payment issue online payment back additionally instruct make another online payment original amount owe statement due date avoid interest charge late fee sister tell would take week days original payment return number assign bank issue confirm refund receive barclay contact barclay explain transpire date give explanation nothing happen yet case issue new case number tell original payment would return within days receive payment barclay contact barclay tell case number assign call make close barclay unable issue refund original payment make party ask inform get answer question rd party could tell get agent barclay conference online payment department agent confirm use rd party process transactions recommend barclay issue manual check credit balance account barclay agent agree tell barclay agent would do within next hobank would take week days receive check mail also mention could monitor account online saw credit balance return know transaction process also assign new case number transaction see change barclay credit balance call barclay go whole history tell get call back day manager never occur repeat process give feedback status case tell manger would give call back occur',
 u'offer gift card apply abank card click link apply compliedwith requirements requirement make xxxxpurchase card within months say thatthe purchase months icontacted say know nothing theoffer contact management saidi apply right card deny anyknowledge offer although website would apply card offer',
 u'may concern close credit card reason n comply totally go federal trade commission fair credit report act consumer financial protection bureau stand term fair credit lend responsible business practice refuse credit even though qualify responsibly maintain credit card diamond prefer member credit card holder little month day call customer service meet woman like normal take info conversation progress realize person someone know personally person use engage conversation escalate quickly realize time progress realize eventually say know whole time would continue conversation way threaten way abusive customer service representative also know personal level go berate personal problem go allow diverge topic account attempt speak supervisor request refuse eventually hang state go go corporate go way cancel card responsible card way threaten abusive conversation contrary representative abusive threaten nature even apologetic rep behavior learn situation make situation even ridiculous right conversation take place issue value customer credit dollars go issue issue credit verbal apology employees behavior admit issue wrong part turn back around close account credit appear statement provide official documentation upon request congrats value customer credit post date reference number merchant country purchase later day come find customer service ban call service center anymore reps complaint get letter state contact regard prefer r visa r account speak abusive threaten conversation base decide longer accept phone call future question account please send inquiry sd thank cooperation sincerely customer service team call executive office south dakota obviously escalate customer service center rep state ban permanent term call cs next day call back check balance come find account close ask receive letter send say revise version letter closure account contact regard r diamond prefer r visa r account speak abusive threaten conversation base decide longer accept phone call future question account please send inquiry sd thank cooperation sincerely customer service team',
 u'get call say potential fraud credit card immediately call back morning inform make charge say charge live credit card n use around years capital one fraud department say would liable charge since fraud ask want new card issue want account close ask account close transfer someone else help close account account close verify would responsible charge assure would would receive something mail show account close receive something show account close today receive bill charge specifically discuss today fraud team member speak today name least sound like inform way flag fraud post account inform charge restaurant already remove account insist explain charge never mention would even call ask fraud nothing go send bill anyway hang call back ask speak manager connect supervisor name apologize hang proceed confirm way process work remove charge post still confuse would call post mention need call back post order actually fix anything ice cake supervisor tell would connect someone else close account think wait already close account well turn n permanently close zero balance could n zero balance fraudulent charge remove beyond frustrate upset situation already felt violate someone steal information attempt charge things name want clear process n keep spend time emotion fix problem tell already fix',
 u'try activate renewal phone number card get bunch personal question offer cruise plus fee could get activate card finally call tel bill resolve',
 u'inform suspect fraud visa signature card fraud confirm card deactivate tell replacement send day priority usps still card even tho uisps track site say deliver wrong end card call cap one info usps deliver representative assure would arrive tomorrow friday latest card speak w supervisor befuddle connect w superior say card lose cancel would send another card via usps day priority get card time least eleven days already credit card auto pay company deny payment previously excellent credit rat decline big issue since even ca n get credit report correct number restore additionally business online must carry large sum cash cover daily expense cover cap one card wallet ads ask nothing reply',
 u'specialied loan service refuse modify mortgage tire foreclose home refuse set face face meet base washington state law mediation try contact mail phone wait several months one sls contact send home loan attorney pbank ue foreclosure n know turn help contact local house counselor help n get anywhere',
 u'issue month first fraud case originate within employee print duplicate credit card use large purchase fraud discover follow several time get charge reverse second problem ongoing lose next payment pay online payment account complain time time say fix shortly days since payment go miss still apply account though time say find payment system representative speak today say action take previously fix last representative speak say problem affect many people many complaints situation day also charge late fee miss payment say account pay time also threaten raise interest rate result late payment please help get miss payment back help resolve situation frustrate',
 u'record conversation start customer service rep point supervisor ask question provide answer phone call record minutes length months call representative help say make additional payment detail phone call would waive late fee place account day late aside receive paper electronic statements quite time call dispute late charge months pay previous minimums due keep add late fee past due amount add late fee n pay late fee consider late fee past due amount another late fee phone call representative supervisor agreement make resolve issue agree record line pay additional already pay minimum day proof would waive late fee mean agree would late fee carry therefore past due amount subsequent late fee make keep make minimum payments due time hang make payment never make change return account good stand lie call complain go branch recommend long time ago credit card rep launch official complaint refuse pull phone call agree upon still charge account past due amount also ruin credit owe additional hundreds dollars day late yes proof make payment day due date',
 u'already receive confirmation mortgage payment month make without penalty receive threaten notice payment late still need make harass contraction go last month mortgage company monthly mortgage payment kind unprofessionalism need stop unnecessary stress cause compromise ability relax personal life',
 u'get daily phone call hyundia credit nonpayment late fee car loan request disturb sundays dinner time even hobank keep harness dollar late fee request several time make car payments month harassment continue mere need someone intervene behalf phone use sue legal concern',
 u'trade finance months termination lease purchase escalade finance weeks later turn escalade dealership make mistake offer finance turn car replace today finance ally turn hummer early months request dealership tell gmac purchase ally promotion could terminate lease early long purchase another vehicle finance gmac appear dealership never turn proper paperwork take years straighten gm handle deal leave dealership finally admit error pay remain outstanding balance however ally report transaction credit bureau late write case report adverse effect credit rat impact line credit',
 u'mortgage service deny modification lower interest rate request fell behind payments underwriters drug feet service sell company call sls company run scam request docs already send effictevily string along forclose send request documentation statements tax return hardship letter etc etc multiple time avail return call assistance goal keep home obtain fix rate fair mortgage get current scam sls',
 u'im write regard ameracredit send irs n hear anything company fifteen years irs make pay tax im need tax return',
 u'acquire mortgage date separate errors pnc part process payments mortgage despite electronic transfer',
 u'well several phone call chat sessions card customer service make inquiries payment post card account fund withdraw financial institution nc nobody either card could give direct answer instead get pass buck routine neither financial institution allow treat customers way documentation available proof events take place',
 u'agree fee charge attend complete work however due lack help teachers feel like enough knowledge use degree better job job find consider due fact bad reputation degree basically worthless far lend service service make pay attend school private loan need attend school find later school take federal loan need private loan company also know school go along beside loan need feel pay anymore receive money back see federal two year degree school already since become knowledge contact service give information forgive option stop pay forbearance leave still pay months get rough consider still job still work make small money',
 u'monday day week schedule corrupt be arrest throw jail simply fail appear court knowledge erroneous information court document design miss be order body attachment automatically mean arrest fail appear court order reschedule sure appointment thus source income day also plan contact schedule type cross need do try explain jail would never let get bag confiscate get information include phone number be know medical issue much reason income loss process try get approve benefit would greatly help financially yet still force horrible situation worsen finance medical condition absolutely violate civil right destroy mentally emotionally borrow amount bind daughter make modest live tx absolutely one else closer could turn help include legal protection except lawyer plan inform satanic act tomorrow know know alone fight save home let drop value force spend entire week jail women albeit decent treatment commit far serious crimes drug possession auto theft even give change underwear pair patties wash put every night food substandard give drink rancid taste tea milk intolerant water need keep dehydrate turn help prevent could cause time thbank day could barely fit shoe give jail even women notice time finally release give option bail offer daughter send money order total get wednesday still would release money order clear understand mo good cash bail friday late nigh walk jail since cab available stop bar could call cab get money take cash put trust fund inmates confiscate everything cold jacket arrest result satanic arrest bunch bully seem nothing better harass someone think jail seem utterly inpatient allow modification process run cobank e stop find excuse work application fault mortgage corporation',
 u'utilize agency file complaint case problem deal home loan finally resolve issue go another take original loan veteran recently explore possibility utilize start process thru accord representative ph make loan application state recent date credit report contain negative information credit history sudden send fictionalize account relationship accord document send underhanded manner order sabotage application unethical fifth third attempt deny right veteran obtain home loan retribution contact agency',
 u'contract home depot kitchen remodel open line credit zero interest years months start charge interest triple payment call several time agree make change go forward still expect pay inflate payment month',
 u'bb receive electronic payment account least occasion take excessive days post payment make account past due thus charge late fee instance days business days days business days refuse waive late fee say take several days post payments',
 u'credit card home depot consumer credit card enrol auto pay authorize home depot withdraw statement balance due amount check account due date auto payment make authorize later duplicate line payment amount withdraw check account authorize balance due already pay result double payment reduce check account balance negative amount result overdraft fee leave less balance fund pay bill call home depot customer service speak nice representative could see two payments account speak home depot dispute department advise take days refund fund request get copy transmittal form fax exist dispute department advise may able get refund soon days discover error friday afternoon able get transmittal form weekend go take many days get refund money home depot fraudulently withdraw check account borrow money pay balance bill due',
 u'go az purchase vehicle previously purchase vehicle years ago good experience recent purchase salesman mislead information give finance refinance vehicle vehicle value confirm another dealer could get alternate finance vehicle vehicle extremely high finance rate payments afford tell several time want wait get things straight pressure move forward deal base information tell finance refinance vehicle purchase make call go tell manager assume would approve take vehicle back circumstances deal shady honorable contact finance company well office attorney general file complaint also hide damage vehicle front license plate see since dealership plate cover damage use finance company sales force deal verification process receive direct fund day state owner salesman feature dealer website advertise purpose ask statements pay stub etc day could get pay immediately deal fund complete verification process assure pay immediately deal regardless misrepresent information use predatory sales credit practice portfolio program participate allow receive front profit share collections owner salesman everything possible close deal point falsify everything put car highest interest rat fund receive contact regard situation one return call include send complaint also customer service get resolve receive contact temporarily issue credit deposit put complete investigation may permanent stall deal tell already pay fund nothing could contract would cancel revocable accept try return vehicle tell would tow leave contact financial institution ftc az attorney general local tv station assistant situation get acceptable resolution',
 u'check acct compromise credit card payment auto pay since make monthly money order payments balance send payments use card purchase interest month balance still clearly credit payment bill go month instead insist credit confusion repeatedly try get payment even though tell credit payment add back repeatedly n take genius math minus call twice write letter keep get answer',
 u'record conversation start customer service rep point supervisor ask question provide answer phone call record minutes length months call representative help say make additional payment detail phone call would waive late fee place account day late aside receive paper electronic statements quite time call dispute late charge months pay previous minimums due keep add late fee past due amount add late fee n pay late fee consider late fee past due amount another late fee phone call representative supervisor agreement make resolve issue agree record line pay additional already pay minimum day proof would waive late fee mean agree would late fee carry therefore past due amount subsequent late fee make keep make minimum payments due time hang make payment never make change return account good stand lie call complain go branch recommend long time ago credit card rep launch official complaint refuse pull phone call agree upon still charge account past due amount also ruin credit owe additional hundreds dollars day late yes proof make payment day due date',
 u'amex credit card accumulate reward money year suppose send month coupon yet receive want cancel card poor service tell cancel card receive last years reward coupon understand would say year felt kind ploy keep cancel card card detail follow name credit card number',
 u'contract home depot kitchen remodel open line credit zero interest years months start charge interest triple payment call several time agree make change go forward still expect pay inflate payment month',
 u'well several phone call chat sessions card customer service make inquiries payment post card account fund withdraw financial institution nc nobody either card could give direct answer instead get pass buck routine neither financial institution allow treat customers way documentation available proof events take place',
 u'issue month first fraud case originate within employee print duplicate credit card use large purchase fraud discover follow several time get charge reverse second problem ongoing lose next payment pay online payment account complain time time say fix shortly days since payment go miss still apply account though time say find payment system representative speak today say action take previously fix last representative speak say problem affect many people many complaints situation day also charge late fee miss payment say account pay time also threaten raise interest rate result late payment please help get miss payment back help resolve situation frustrate',
 u'would like dispute report credit report account number utah receive statement show balance due annual fee zero balance prior period statement transactions pay full contact creditor inform would rather close account request waive fee bill person contact via telephone say fee would waive account would close grant request later receive statements follow three months fee well additional incur interest outstanding balance continue contact creditor request every month receive statement reluctantly grant request numerous contact issue email address longer email send months past also receive statements since creditor agree meet request would also like remove report regard account number receive bill mail collection agency locate really sure address give provider medical visitation live significant time treatment transition residences driver license date time well receive bill collection agency within years later bill pay indicate report derogatory status would like account satisfy full remove credit report',
 u'check acct compromise credit card payment auto pay since make monthly money order payments balance send payments use card purchase interest month balance still clearly credit payment bill go month instead insist credit confusion repeatedly try get payment even though tell credit payment add back repeatedly n take genius math minus call twice write letter keep get answer',
 u'open account years ago last payment make account make nearly years ago continue report debt credit report even though way years old fact twice old appear age debt collection letter come call daily days week numerous time day numerous different number f even call area area code night n law account',
 u'credit card home depot consumer credit card enrol auto pay authorize home depot withdraw statement balance due amount check account due date auto payment make authorize later duplicate line payment amount withdraw check account authorize balance due already pay result double payment reduce check account balance negative amount result overdraft fee leave less balance fund pay bill call home depot customer service speak nice representative could see two payments account speak home depot dispute department advise take days refund fund request get copy transmittal form fax exist dispute department advise may able get refund soon days discover error friday afternoon able get transmittal form weekend go take many days get refund money home depot fraudulently withdraw check account borrow money pay balance bill due',
 u'card steal account return days far detail cycle close pay balance full directpay full balance schedule pay full balance check account days due automatic payment date balance point inform account compromise send new card new account number debit check account balance account charge speak customer service admit mistake part would return offer mail check wire transfer request wire transfer tell take days call customer service produce excuse process would take days still fortunate check account overdraw mistake see forthcoming would make problem right make payment check account account take less day transaction complete make deposit check account take days unlawful',
 u'apply receive credit card card promise unlimited cash back grocery store spend six months try use card several purchase place account review call fraud department verify attempt complete charge pay bill full fraud risk account review weeks explanation release use call time get explanation call back tell exactly review believe employ tactic prohibit card holders utilize advertise reward program maliciously',
 u'receive letter mail management llc claim delinquent trust loan demand pay past due amount none sign automatic withdrawal send payment via every month due date receive rushmore day',
 u'card account never give authorization go paperless stop send paper statements consequences miss payment charge late fee follow months request investigate issue refund remove relate information credit report',
 u'submit payment sons mortgage payment every month pop pay speed pay cause days thats payment due payment go throw tell deny n go line sons mortgage place take payments call number company tell gentleman name agent name tell could see charge would reinbbank e take information say would also get back dollars charge hold till put information say would take days explain soon possible bill would bounce take put back say ready approval would put rush give till call get say would someone contact call get agent would let speak manager hang call hang get finally word connect supervisor name agentxxxx speak explain sittuation look say saw put payment reverse ask send statement show take payments would get back monday take number hear call get agent fight speak supervisor refuse let speak say someone would get back hobank go see could help get money back cause give run around look like go return money heck bill talk dollars worse experience ever years life deal company hope help someone something company able take want persons want give back name company loan service mtg number punch number god know wind',
 u'find need modify loan worst experience especially call relationship manager know speak customer lack knowledge reprehensible try multiple time speak supervisor success also attempt change relationship managers also do finally decide accept modification send payment well escrow amount owe escrow amount misapply multiple call yet correct department tell thing tell something different end day days payment misapply correct payment tell need wait months error correct',
 u'look credit card account b visa card acharge web site never visit buy anything contact issue new card suspect may web site fraudulent credit card transactions help others shut',
 u'boa violate right fcra commit believe unfair practice repeatedly deny request adversely impact credit purchase house activate recall active duty reduce income approx k report deploy time week contact countrywide boa advise invoke right countrywide boa response scra right restrict online access account stop automatic payment make check account status impossible also violate right fcra unfairly target exercise right consumer countrywide boa send letter old address state deny application scra protection list lack sufficient information n active duty never receive letter order reference title order ados ados stand active duty operational support learn loan become past due attempt contact countrywide boa unable restrictions account early return tour still order contact boa start process talk rep would look file explain error apologize advise pay would adversely affect credit attempt fix time rep would attempt get refinance say could n help refer someone else boa present call time spend hobank phone boa attempt fix provide date time name file complaints bbb regulatorydept sell house pay entire balance time account report credit report agencies pay time boa report account close months past due boa send payment result complaints boa still fix credit report complaints answer follow exact pattern contact via phone investigation take place tell boa deny request could contact directly question answer phone never return call n believe good faith case deny claim base find consistent facts boa rationales deny request follow deny information need provide need give way provide info deny boa assert automatic payments cut active duty payments stop boa call active duty denial claim n active duty mention order clearly mark active duty pay amount months align pay active duty month base pay reservists denial appear hold credit report accountable inability basic research also many record state indeed active duty assertion boa otherwise change fact',
 u'home depot credit card shop home depot n cash even forget home depot credit card agree let use look charge leave months later record home phone answer machine state account days late wife call immediately ask n receive statement say send electronically wife immediately make payment make payment confirm representative credit would n hurt month ago purchase home credit pull come find home depot report days late credit write letter dispute credit bureaus come find remove never receive statement either paper electronically claim send email wife never receive illegally report credit bureaus days delinquent account charge damage credit score prevent obtain better interest rate due home depot lack send statement inform debt payment due would satisfy home depot remove day late',
 u'report late card report agencies days late month allow change bill date accommodate monthly federal payment date month post late month get behind make full payment try finish larger high school tuition payments daughter pay college acceptance monies take place payment make every month typically month base online discover website pay huge monthly payment payments discover representative tell today payment due balance minimums due online system report late pay ask refuse change bill payment date today month cycle bill date would align way ask credit adversely affect first time plus years late past make payments month representative care good customer always make payments somehow get catch bill cycle mess able get report say owe payment payments report late days tell representative would still make payment regardless system show balance due make monthly payments please help get credit issue fix',
 u'attempt apply card online system hard credit pull disconnect application process call tell another hard pull would need do complete application never agree hard credit pull process call advise',
 u'start contact hyundai motor finance request payments apply principal balance time inform would take days process call time past month request payments adjust instruct hmf representatives today payment apply principal keep get promise escalate correct refinance vehicle charge excess interest due previous payments apply principal balance combination hmf accessible close week due incliment weather wait receive payoff information feel hmf drag completion correct payments hop continue charge interest would refer hmf anyone look good trust worthy customer service',
 u'finance last day day rate lock former mortgagor representative show hour late without proper document force pay title company additional days locate document responsible cost already pay title company fee',
 u'house mortgage pay pmi insurance want pay pmi insurance reach require loan value ratio reach require loan value ratio own loan say need pay house appraise get rid pmi insurance none disclose want know legal require appraisal order opt pay pmi insurance',
 u'refinance mortgage loan bb receive wire payoff leave escrow balance call bb today find fund would release tell would weeks fund mail loan service agent give date date could expect fund mail date would add another days receipt possibly long full month date bb receive wire good fund inquire would receive interest fund tell seem like exorbitant delay without compensation bb use fund',
 u'longtime member charter one rbs citizens mother become elderly assist open account charter one branch office locate michigan place account co account owner mother become necessary obtain durable power attorney handle financial medical need years ago mother present present original stamp seal durable power attorney charter one branch office locate michigan record file present understand would place mother account furthermore need transact business would welcome though contact charter one master card someone make fraudulent charge mother credit card account caller state would immediately close mother master credit card account open new account send another master card next day upon receive mother new credit card realize entitle bonus point telephone redeem bonus point inform name mother credit card account inform take original durable power attorney branch office file representative indicate durable power attorney file charter one master card separate entity would require another durable power attorney reply ca n charter one forward copy durable power attorney master card tell go local branch could resolve issue go charter one locate michigan tell branch manager available teller make copy durable power attorney state would forward document branch manager follow day resolve issue telephone branch result investigation tell individual identify branch managers available talk representatives bank headquarter would telephone customer service along mother telephone resolve issue inform mother years old suffer issue involve offer suggestion take original durable power attorney local branch office record place file indicate already do years ago branch indicate unable resolve matter level effort resolve issue without problems go branch office michigan talk indicate branch manager available would assist telephone headquarter tell durable power attorney file mother account inconsistencies responses receive try resolve issue charter one know take original durable power attorney charter one michigan years ago place file mother bank account level customer service abysmal',
 u'loan service say unable provide home mortgage assistance due temporary financial hardship go back forth company months provide documentation say due job loss present time initial application unable provide mitigation loan modification temporary forbearance understand type plan mean assist homeowners keep home financial hardship loan service seem provide type service',
 u'mail several offer refinance home call fl sales office speak begin refinance process document want immediately pay stub save statements document email however remain refinance document bofa mail home state could mail follow instructions match instructions refinance packet mail remain document pre pay postage envelope provide post office tx document sensitive personal nature want document track even though go tx larger suburb post office clerk inform could alter pre pay envelop mail document needle say document reach bofa document center consider lose post office claim package bofa claim receive document either stick middle personal information float somewhere real help available bofa claim since document reach something prove disprove responsibility help even though instructions envelope track package anyway note information refinance package seem ridiculous customers mail personal highly confidential information country track package also hinder consumer well process flaw sure bureau want practice bring light inform bofa representative mail get lose every day nothing could either resend form lose refinance even frustrate inform document lose cobank e could go bofa location fax document office free look note instructions supply fax number state option go branch simple piece information could save frustration entire refinance process freeze credit research credit monitor company protect potential identity theft problem people work process leave consumers risk trust bofa completely let',
 u'issue involve dispute file prefer card regard merchant deal charge bedroom set furniture also delivery set charge credit card xxxxl deliver item break refuse item request deliver another time fail numerous time deliver item per agreements couple attempt much customer dissatisfaction help merchant choose pick last item agreement items deliver set never satisfy dispute charge credit card issue service provide situation clearly meet intent charge back guidelines service provide days dispute inexplicably decide rebill delivery charge card refuse work state future dispute directly merchant believe act appropriately dispute meet intent charge back guidelines meet intent regulation z result merchant receive compensation service provide',
 u'purchase home financier longer business servicer retire refinance countrywide toward end financial difficulties coax refi ing due low interest rat face financial hardship due relationship end tell would n qualify modification months behind mortgage payments finally accept trial period discover mortgage valid separate promissory note order boa securitize sell well capitalize promissory note sell securitizing sell many time mortgage va back mortgage holder trustee mortgage note security likely hold promissory note well government run way get trace promissory note securitizing information get mortgage security track information well ask provide info receive ask try get back money interest make signature promissory note deny provide ability appeal year statute limitations pass claim money interest money make promissory note abandon claim incidentally additionally boa owe interest money transactions make boa via check write credit card use debt card use except withdraw money years securities create signature n disclose pay file assignment mortgage mers county fl public record verify robo sign fraudulent file sanction regulations judgments laws expressly disallow type mortgage assignment feel boa require reimbbank e pay least profit make promissory note mortgage note regardless statute limitations make money signature without disclose share profit time pay loan modification paper would strip right consumer right home owner right currently try get accept new loan modification word vague state exactly explicitly qualify permanent modification new mortgage amount well monthly amount due word strip right despite attorney court oversee feel allege boa wait months permanent mod inform longer qualify mod foreclose wo n legal recobank e sign mod contract refi do thus n qualify settlement modifications know cancel also note refi date bail sanction regulations laws put place prevent separate note make significant amount money note without knowledge understand boa hold accountable liable practice involve unfair make court deal issue court force decide whose toe step usually home owner n money power n make right boa act law allow',
 u'purchase vehicle drive time approximately months ago pay time look refinance vehicle credit pull tell drive time report payments credit agencies first purchase vehicle tell manager drive time report payments within days purchase contact dt credit company ask reason havnt report payment history tell several employees new system report anyones payment history since ask manager come one inform customers dt credit company report manager state n answer tell manager part contract purchase state report credit agencies within days inform dt credit company system problem customers inform also ask system hack information compromise could would answer question issue dt credit company tell perspective buyers truth report credit agencies',
 u'decrease monthly payments continuation previous issue reach another increase monthly payments unable reach agreement monthly payment request reconsider request graduate repayment force collections would like pbank ue payment plan work current financial situation allow responsible debt',
 u'credit balance credit card make purchase unknown time purchase credit card issue check longer credit balance months later figure overdue balance account instead credit balance know call credit card figure happen make payment day credit card suppose credit fee due misunderstand communication two months later still charge late fee interest fee also report credit agency lack payment even though know credit balance difficult deal would like remainder fee pay back anything issue credit agencies remove',
 u'file complaint regulatorydept concern trouble loan servicer service detail many problems latest loan modification offer give reason totally unacceptable case number loan modification give make payment response complaint say respond check back many days see response see problem complaint ask reconsider term unsustainable monthly payment amount something reasonable unable unwilling respond complaint timely manner ask extend time make payment amount time say get around respond complaint',
 u'understand give extension get approval first approval back forth happen due approvals disappoint start feel like tug war extension move lien holder give approval never see anything like life see homeowners lose home short sale process messy point get approvals extension go file bankruptcy sad home member serve country tell disappoint news',
 u'company say n recrive payment car fianacing send copy receipt show submit payment',
 u'trouble payments handle use bill pay make payment loan education service number years without issue row aes fail process payment correctly proof payment process take business days continue call email send letter co signer way process faster put account hold dispute state least temporarily halt call email letter way halt call email letter make additional payment n may negatively affect credit score email send come weekend service agent talk',
 u'buy home mortgage year later mortgage sell citimortgage immediately raise monthly mortgage payment explanation apply modify mortgage tell need pay mortgage payments months instruct almost years go back forth citimortgage submit paperwork force file bankruptcy protect assets time modification kick take time request document file motion relief attorney agree additional months arrearage add bankruptcy citimortgage file order lift stay even though trustee send payments monthly current mortgage miss payment send payments feel nothing issue citimortgage also think take advantage change mortgage around without let know immediately increase payments first get mortgage help would appreciate',
 u'perform update systems per representative representative explain result update cause store source customer payments check account erase aware issue receive notice credit card account payments past due end account set auto pay years earlier payments always make time amount payments minimum payment amount call customer service number late fee assess direct call auto pay department contact auto pay number speak advise would able reverse fee',
 u'loan work since get loan modify amount affordable fax income info paperwork make phone call one return phone call get notice loan modification request deny personable time midst possibly lose home kid house need school system interest rate way high',
 u'recent issue modification mortgage sign front attorney phone question already file suit eventhough pay receipt modification sign payments would payment make time recieved letter mail state owe start sign modification agree want also attach balloon payment end credit give years payments already pay go include house bankruptcy recieved affirmation ask pay payments recieved credit also say attempt collect debt never recieved monthly bill know monthly payment continue make since never credit payments reciepts since modification try collect escrow three years ask house buy',
 u'borrower address ca loan servicer service foreclosure date bankruptcy ch file approve trial modification hamp mha make trial payments loan transfer complete trial payments months months wait call update demand answer request escalations final modification document draft take plus months finalize modification mean time year old visit real estate agents coerce sign list agreement sale home agent call service cancel loan modification day approve unbeknownst authorize rd party call service get detail final modification could sign document mail back tell modification cancel home process short sale realize defraud agents cancel short sale process demand modification validate plead service explain n request cancellation modification struggle get approve months refuse help reapplied brother niece move longer contribute income include modification application review close option sale home list new agent previous agent previous buyer sue state right first refusal purchase property previous accord price agents prevent close offer currently accept hire attorney combat rd party claim interest property aware legal battle service confirm account would place forbearance status allow clear legal issue would n long could close escrow result much bigger gain foreclosure sale would pay liens property afford money live supervisor agree postpone sale date schedule file bk ch many call service rd party tell would postpone additional sale date work homeowner foreclose property file ch bankruptcy sale supervisor service say sale would rescind yet new buyer want rescission asap go rescind money tie please help year old woman get sale rescind turn sale home buyer contract sale would leave money live high rent area besides mishandle home retention options service poor disregard need',
 u'file qualify write request notice error receive write acknowledgement qwr date mortgage servicer today receive communication servicer dispute resolve',
 u'inspection fee call let know late payment due date days send body inspect home charge right call charge call already send one inspect property',
 u'house credit assist work delinquentmortgage begin transfer fha loan itoriginated past yearsxxxx seek legal assistance help thisdelinquent mortgage make mortgage payment duringthis time lack try spend much money onattorney fee try get different options fha loan sign deed lieu document ofamerica year receive cancellation debt ofamerica unfortunately service switch deed lieu never record fha case number isstill open stop obtain future loan openfha case number work towards resolution finallydecided deed lieu still record theproperty still name go try get cancel cancellation thus start countdown close fha case number financingfor resolution help family find affordablehousing rent clean credit report want tobuy house long story loan still hisname house move still hisname n seem right',
 u'apply approve credit card term condition receive boa credit card specify introductory apr purchase make prior purchase make would subject standard apr search remainder c document certain balance remain would subject increase apr nothing term condition indicate purchase make introductory period need pay full prior end introductory period please adjust spend accordingly receive notification advise term condition adjust notification reference introductory apr bill notify introductory period would expire surprise know purchase make introductory period would subject increase apr use entire limit prior expiration introductory period quite surprise notice interest charge immediately call tell representative boa send short form term condition long form viewable boa employees include language specify balance carry forward would subject increase apr naturally quite frustrate learn boa intentionally mislead give abbreviate contract leave critical detail like agree credit promise future interest charge would investigate adjust honor term condition majority balance remain card erroneously charge interest never respond request refuse credit account interest charge purchase make term condition available website presumably new card holders receive read much differently provide indicate inroductory apr apply first bill statements wish receive term represent secure card would manage spend accordingly',
 u'mortgage sell rcs accept automatic transfer must send paper check rcs mortgage use online billpay first sign trouble come pay mortgage pay withdraw account apply total days charge late fee payment write rcs late fee return next months payment delivery time vary normally days time request payment make time payment apply payment make withdraw process days payment receive process days payment receive process days payment receive process days payment receive process days problem payment make receive process days charge late fee even though money receive end grace period tell refund late fee time even though obvious process time case three time long previous months seem extremely suspect closer end grace period slower rcs process payments late fee charge late payments years homeownership never make late mortgage payment yet rcs manage say twice months n receive time process due date able accept abts way rcs take automatic payment additional fee absurd outright piracy people control service mortgage fraudulent fee fair consumers control process time completely control company',
 u'transfer service loan payments fha payment trial continue pay monthly mortgage payment new servicer home loan previous foreclosure suppose dismiss accept modification last week attend hear private attorney attorney judge want advance foreclosure afraid lose home modification mortgage need dismiss foreclosure get loan modification complete pbank uant regulatorydept bulletin agency concern loan transfer modification process exactly happen please help get resolve keep home thank',
 u'decrease monthly payments may concern call sallie mae proactively figure rate reduction plan would help pay less per month lower interest rate due increase live expense good credit make payments actually ahead right start pay large sum per month loan go repayment sallie mae loan soon require pay hefty per month top federal loan live expense sallie mae loan less federal loan pay per month sallie mae representative tell way could potentially work rate reduction refinance plan currently hardship explain necessarily hardship though n know qualify hardship soon due change live situation able afford sallie mae also pay rent utilities insurance etc sallie mae representative seem sympathize also seem bind unspoken rule disallow help borrower look proactively take step order become delinquent loan need figure refinance rate reduction plan sallie mae suffer delinquency could happen soon months move settle different area file complaint sallie mae will work proactively borrower stop delinquency forbearance bankruptcy happen',
 u'file complaint cfpb lead believe cfpb would pbank ue company make repay monies illegal take escrow account tell cfpb would response hear either guess guy accept complaints nothing another new novel bureaucracy inspire hope deliver exasperation thank lot people put taxpayer dollars good use case',
 u'make substantial payment holder second mortgage tune approximately payment apply remain principal balance evidence statement subsequently pay payment receive company receive statement indicate principal balance remain would impossible interest rate around would accrue principal one month contact time since time individual agree error last time say way resolve payoff frustrate order payoff although lot money company handle clients way make substantial amount money',
 u'problems customer service work hard pay sallie mae loan full promise payoff letter would arrive within days letter ever receive time call back customer service promise letter send soon days account still open call today ask speak manager insist close account else formal complaint would file hang',
 u'receive bad information loan son attend college wyoming ere drop start college career usher line throw lot information sign multiple paper without explain felt like alternative finance education extremely high rat well origination fee co sign make payments entire time school try negotiate interest rat avail feel like predatory lend best would like help get resolve immediately son struggle pay turn affect credit unfair',
 u'may concern write file complaint roundpoint mortgage regard property il foreclosure sale date set set sell home husband daughter currently reside cst start send document well days prior sale home deal people regard loan modification round point mortgage regard loan speak longer roundpoint mortgage assure paperwork go sale would postpone along underwriters provide proper documentation need loan modification hardship letter tax information statementsmedical statements personal documentation send miss document request span weeks leave message someone call back tell miss document receive phone call receive phone call fri roundpoint mortgage tell lein property association back n know property get information lein association day email proper document say lein release sit get copy release association email document also go recorder deeds lein release today email information loss mitigation roundpointmortgage send correspondence speak tell document n show system yet take hobank get system call back wed clearly sale date send document need time frame tell need ask stop sherriff sale home accord paperwork receive time frame need tell friday n anything could do stop sale home understand loan default try everything power remodify loan give run around speak underwriter roundpoint mortgage even tell nothing could do stop sale',
 u'settle mortgage account agree mortgage lender date credit report reflect last date payment make delinquent several months final payment make continuously dispute information fcra credit bureaus yet creditors keep verify information accurate dispute information creditor citifinancial refuse change information reflect date last payment report accurate credit information date last payment wrong ca n late account pay',
 u'close credit card transfer card information credit card exception credit card limit n notify complete transaction credit card credit card limit instead state value fico score n want see present reduce credit limit card subsequently reduce fico score past watch carefully past home mortgage car loan low interest rat possible n want see ruin',
 u'sign easy reward credit card offer introductory months gas groceries telephone din utility payments receive rebate first month use card difficult unreliable time use card make purchase inside pharmacy local grocery store buy medications purchase amount transaction could vary nearly every time get block authorize go swipe call customer service many time talk fraud department state merchant block merchant suggest use different credit card make purchase even small purchase grocery store get block reason state call find small transaction amount go strongly feel disingenuous advertise offer cash back grocery store card issuer block merchants provide proof advertisement let sign credit card well transcripts telephone conversations fraud department state purchase get decline',
 u'fail protect overcharge issue continue frustrate months finally get matter resolve issue credit put credit account well week begin send letter request information dispute send email response say matter resolve could cancel dispute notify would bill dispute amount since cancel dispute back start pull hair issue credit still ca n get account right worst customer service experience years lack control oversight inexcusable attach write correspondence',
 u'credit balance credit card make purchase unknown time purchase credit card issue check longer credit balance months later figure overdue balance account instead credit balance know call credit card figure happen make payment day credit card suppose credit fee due misunderstand communication two months later still charge late fee interest fee also report credit agency lack payment even though know credit balance difficult deal would like remainder fee pay back anything issue credit agencies remove',
 u'longtime member charter one rbs citizens mother become elderly assist open account charter one branch office locate michigan place account co account owner mother become necessary obtain durable power attorney handle financial medical need years ago mother present present original stamp seal durable power attorney charter one branch office locate michigan record file present understand would place mother account furthermore need transact business would welcome though contact charter one master card someone make fraudulent charge mother credit card account caller state would immediately close mother master credit card account open new account send another master card next day upon receive mother new credit card realize entitle bonus point telephone redeem bonus point inform name mother credit card account inform take original durable power attorney branch office file representative indicate durable power attorney file charter one master card separate entity would require another durable power attorney reply ca n charter one forward copy durable power attorney master card tell go local branch could resolve issue go charter one locate michigan tell branch manager available teller make copy durable power attorney state would forward document branch manager follow day resolve issue telephone branch result investigation tell individual identify branch managers available talk representatives bank headquarter would telephone customer service along mother telephone resolve issue inform mother years old suffer issue involve offer suggestion take original durable power attorney local branch office record place file indicate already do years ago branch indicate unable resolve matter level effort resolve issue without problems go branch office michigan talk indicate branch manager available would assist telephone headquarter tell durable power attorney file mother account inconsistencies responses receive try resolve issue charter one know take original durable power attorney charter one michigan years ago place file mother bank account level customer service abysmal',
 u'attempt apply card online system hard credit pull disconnect application process call tell another hard pull would need do complete application never agree hard credit pull process call advise',
 u'card service buy never notify payments continue go locate payments charge numerous late fee payments get due date change well report late pay credit contact customer service speak managers several time correct matter time frame need buy home tell may days correct statements clearly show account current take even though charge late fee payments still make monthly time due date change month',
 u'report late card report agencies days late month allow change bill date accommodate monthly federal payment date month post late month get behind make full payment try finish larger high school tuition payments daughter pay college acceptance monies take place payment make every month typically month base online discover website pay huge monthly payment payments discover representative tell today payment due balance minimums due online system report late pay ask refuse change bill payment date today month cycle bill date would align way ask credit adversely affect first time plus years late past make payments month representative care good customer always make payments somehow get catch bill cycle mess able get report say owe payment payments report late days tell representative would still make payment regardless system show balance due make monthly payments please help get credit issue fix',
 u'report account verify find charge off credit report form dispute cra come back verify tcalled speak inform wrong information account report name investigate account documentation contact rep tell could validate debt due account right information file violation fcra trade line need remove asap',
 u'home depot credit card shop home depot n cash even forget home depot credit card agree let use look charge leave months later record home phone answer machine state account days late wife call immediately ask n receive statement say send electronically wife immediately make payment make payment confirm representative credit would n hurt month ago purchase home credit pull come find home depot report days late credit write letter dispute credit bureaus come find remove never receive statement either paper electronically claim send email wife never receive illegally report credit bureaus days delinquent account charge damage credit score prevent obtain better interest rate due home depot lack send statement inform debt payment due would satisfy home depot remove day late',
 u'perform update systems per representative representative explain result update cause store source customer payments check account erase aware issue receive notice credit card account payments past due end account set auto pay years earlier payments always make time amount payments minimum payment amount call customer service number late fee assess direct call auto pay department contact auto pay number speak advise would able reverse fee',
 u'automatically bill account late tax preparation product prepare use download download far although husband month use card except pay similar automatic charge credit balance accord statement retrieve position discuss bill road return last year charge remove request late payment charge levy automatic charge expect year either year refuse remove late charge bill payment due add another late payment fee bill plus interest still road thus receive email include junk internet saw amex notice call customer service pay precise product amount late charge refuse late charge charge anything card year promotions etc go junk file appear incoming e mail monthly charge charge product usurious client since always good stand disgust usuriousness lack appreciation past business amex next bill include late payment charge plus interest total charge despite pay product remind intention cancel amex credit card amex send another bill continue balance due totally make usurious late charge last one cancel amex card despite threats account exec late charge would continue levy top one another account would stay open point view possibly cumulative fee pay behalf credit card holders submit continue levy new late fee month charge interest say late fee accumulate ding otherwise excellent credit report unpaid bill fraudulent practice practice amex exacerbate automatic charge firm seem allow customers pay actual use product schedule product ready use please help stop amex continue dun usurious charge please help others escape practice automatic billers cause charge thank advance',
 u'apply receive credit card card promise unlimited cash back grocery store spend six months try use card several purchase place account review call fraud department verify attempt complete charge pay bill full fraud risk account review weeks explanation release use call time get explanation call back tell exactly review believe employ tactic prohibit card holders utilize advertise reward program maliciously',
 u'purchase account another company claim make late payment account time report late payment dispute account report disagreement code resolution dispute credit bureaus without permission blemish credit report',
 u'card account never give authorization go paperless stop send paper statements consequences miss payment charge late fee follow months request investigate issue refund remove relate information credit report',
 u'sign easy reward credit card offer introductory months gas groceries telephone din utility payments receive rebate first month use card difficult unreliable time use card make purchase inside pharmacy local grocery store buy medications purchase amount transaction could vary nearly every time get block authorize go swipe call customer service many time talk fraud department state merchant block merchant suggest use different credit card make purchase even small purchase grocery store get block reason state call find small transaction amount go strongly feel disingenuous advertise offer cash back grocery store card issuer block merchants provide proof advertisement let sign credit card well transcripts telephone conversations fraud department state purchase get decline',
 u'fail protect overcharge issue continue frustrate months finally get matter resolve issue credit put credit account well week begin send letter request information dispute send email response say matter resolve could cancel dispute notify would bill dispute amount since cancel dispute back start pull hair issue credit still ca n get account right worst customer service experience years lack control oversight inexcusable attach write correspondence',
 u'capitalone refuse investigate hard inquiries negative impact credit report time dispute incorrect information agencies state inquiries market inquiries hard inquiries indicate credit report need capitalone validate hard inquiries remove incorrect information credit report matter resolve assistance place matter county civil division judge make final decision',
 u'apply approve credit card term condition receive boa credit card specify introductory apr purchase make prior purchase make would subject standard apr search remainder c document certain balance remain would subject increase apr nothing term condition indicate purchase make introductory period need pay full prior end introductory period please adjust spend accordingly receive notification advise term condition adjust notification reference introductory apr bill notify introductory period would expire surprise know purchase make introductory period would subject increase apr use entire limit prior expiration introductory period quite surprise notice interest charge immediately call tell representative boa send short form term condition long form viewable boa employees include language specify balance carry forward would subject increase apr naturally quite frustrate learn boa intentionally mislead give abbreviate contract leave critical detail like agree credit promise future interest charge would investigate adjust honor term condition majority balance remain card erroneously charge interest never respond request refuse credit account interest charge purchase make term condition available website presumably new card holders receive read much differently provide indicate inroductory apr apply first bill statements wish receive term represent secure card would manage spend accordingly',
 u'issue involve dispute file prefer card regard merchant deal charge bedroom set furniture also delivery set charge credit card xxxxl deliver item break refuse item request deliver another time fail numerous time deliver item per agreements couple attempt much customer dissatisfaction help merchant choose pick last item agreement items deliver set never satisfy dispute charge credit card issue service provide situation clearly meet intent charge back guidelines service provide days dispute inexplicably decide rebill delivery charge card refuse work state future dispute directly merchant believe act appropriately dispute meet intent charge back guidelines meet intent regulation z result merchant receive compensation service provide',
 u'credit balance credit card make purchase unknown time purchase credit card issue check longer credit balance months later figure overdue balance account instead credit balance know call credit card figure happen make payment day credit card suppose credit fee due misunderstand communication two months later still charge late fee interest fee also report credit agency lack payment even though know credit balance difficult deal would like remainder fee pay back anything issue credit agencies remove',
 u'card steal account return days far detail cycle close pay balance full directpay full balance schedule pay full balance check account days due automatic payment date balance point inform account compromise send new card new account number debit check account balance account charge speak customer service admit mistake part would return offer mail check wire transfer request wire transfer tell take days call customer service produce excuse process would take days still fortunate check account overdraw mistake see forthcoming would make problem right make payment check account account take less day transaction complete make deposit check account take days unlawful',
 u'close credit card transfer card information credit card exception credit card limit n notify complete transaction credit card credit card limit instead state value fico score n want see present reduce credit limit card subsequently reduce fico score past watch carefully past home mortgage car loan low interest rat possible n want see ruin',
 u'look credit card account b visa card acharge web site never visit buy anything contact issue new card suspect may web site fraudulent credit card transactions help others shut',
 u'continuously charge late fee miss payment days fall observer engage financial transactions recently charge late fee miss payment past call many time complain problem do nothing believe practice make payment early honor addition request credit increase multiple time credit limit respond request last request make deny claim access credit report security freeze contact freeze report since possession credit card',
 u'get recent modification mortgage service house locate tx add something principal think much money add please help clarify kind charge addition mortgage loan thank',
 u'dear consumer financial protection bureau thank respond attach suit group prepare find loan history prove mortgage fraud seem like one get anything do behalf consumer loan illegally push property appraiser work arrest appraise home push get loan approve buy loan would never really work loan remodification go motion different offices state within send set fee tack loan create bigger mess first apply loan remodification representatives financial say would work keep get request paperwork package three time realize different offices within corporation different state work loan remodification tell qualify tack back fee loan different applications time one company communicate anyone else start complain sell find frustrate wonder could get away wife try get help see could get result begin put process apply loan remodification group press sell sps decide tenaciously hold grind help find later own sps convenient prove mortgage fraud commit bank send prepare custom lawsuit attachment give say bank cooperate alternative sue since pay back fee try catch loan avoid foreclosure bank play game consumer federal government desperate get help grant refinance home loan win din process get sign would year half loan pay felt stupid let mortgage loan officer talk think right decision thank much even response please help',
 u'finance vehicle loan back pay loan maturity date check credit notice loan remove credit report call numerous time correct error avail feel udaap violation lead believe loan would report credit n report',
 u'sign credit card tell csr account would interest free approx initially call regard something check account open save account tell pre qualify credit card intro apr charge apr attempt call figure situation ask repeatedly pull call listen call could determine say supervisor say option call review tell way pull call despite call log bait switch part apart fraudulent business activities',
 u'auto loan company regional acceptance corporation call time per day also call work tell set payment arrangements continue call also tell work shift sleep day usually start call around attach letter write morning specify detail',
 u'loan sell mortgage serve ever since everything mess send someone home monthly verify live charge dollars time call numerous time see give run around become month behind payment due family tragedy make sure fall behind yet continue harrass constantly people verify live home make threats unnerve try work modify loan yet refuse first behind qualify behind mortgage set balloon payment end loan try modify loan get rid payment previous home loan servicer would offer option modify add balloon payment end loan ask principal reduction tell standstill situation hear settlement make government ask cut',
 u'nothing frustrate spend hour bounce around department department simple request like many homeowners across country property tax increase mean monthly payment go make burden less impact call ask spread shortage months responses get system wo n let need talk collections reg e prevent able responses helpful consumer inaccurate beyond frustrate unfortunately happen every time call mortgage company begin wonder type train customer service department receive point take customers seriously',
 u'decrease monthly payments unfortunate enough attend university florida require obtain way many loan year program loan repayment plan unrealistic attempt make payment arrangements manageable monthly payment refuse even since requirement reduce loan amount monthly payment acceptable income make payment require would able buy food gas car get work relate issue may arise attempt contact even try negotiate manageable monthly payment leave hold minutes',
 u'lease vehicle current fair market value lease less residual value automobile list lease still months leave lease residual value vehicle document lease appear inaccurate base upon current request trade value inaccurate mislead information regard residual value leave vehicle worth less months advertise worth months',
 u'company inc sps mortgage loan servicer company call phone number cell phone early morning repeatedly ask stop time patenbtly clear call early claim since phone call area code time zone difference stop even though account information include mortgage property address california always occasion apologize say resolve issue resolve occasionally sps combative claim responsibility solve problem need communicate phone',
 u'credit card limit fairly new back begin apply car loan next day speak phone inform approve months new car limit around month unsure want take loan want really make sure could afford big purchase good take time decide n really like new cars close application however spouses car break days later decide call back reapply gain approve months start go paperwork online make sure everything complete ready go even call tell find car want make sure ok go purchase say print blank check take dealer super easy go dealer buy car even turn dealers offer finance tell already check days later go online make sure loan new payment amount show account post yet find concern call tell need hold would look hold tell need keep hold say everything ok everything tell employee say many card say name credit leave hold another minutes confuse really start feel nervous come back say ok say would let loan go review reason something personal information floor shock vague say review everything would take days ask supervisor everyone treat like criminal one tell anything say give blank check approve say know call back several time tell credit card close also review do nothing freeze account drop loan reason buy car n seem fair treat someone guilty n right know go account mistake application fraud do nothing humiliate lock reason finance minutes dealer problems think consumers right know n think bank say approve buy car bad business review see thousands complaints suppose group help veterans dad vet ca n believe please help work hard keep credit good get better better scar might mess close credit card abuse tell dealer friends family shock',
 u'pay mortgage use phone app way always make mortgage payment point days past due struggle make mortgage payment finally process sell home receive payment back check account call discuss tell since days past due initiate foreclosure home option modification point one would discuss payment would let talk account representative way completely professional empathetic process nothing could resolve foreclosure issue process sell property since technically foreclosure afraid pull payoff even discuss final payoff amount go troublesome',
 u'credit card auto pay years auto pay happen aware stop auto pay charge late fee due none payment call speak bill pay department online department credit card department transfer back online bank tell system upgrade cause issue however still charge fee could confirm auto pay go happen know system issue would auto correct issue instead charge fee want people hope n complain take minutes day department take real responsibility make difficult people give collect fee even charge',
 u'apply loan modification mortgage qualify modification option convert arm fix rate mortgage years mortgage divorce mother ex husband original loan divorce quit claim property require sign modification application present quit claim allow proceed without signature complete month trial period loan mod docs send problem require ex husband signature unfriendly uncooperative party try leverage signature lawyers percentage ownership property stipulations let sign alone even though make application alone calculations base income alone need compel allow sign alone ca n execute modification default owe k demand go back original structure ex n care default family money many lawyers please help compel allow sole signature modification',
 u'bayview service llc hold mortgage ex loan currently chapter bankruptcy become behind payments mortgage send letter state total amount foregiven via settlement bayview refuse apply primary loan doj settlement read settlement mortgage include originate still live house previous loan number',
 u'decrease monthly payments payment almost half monthly income contact aes several time lower payment every time refuse help say eligible options force default education service refuse help lower payment',
 u'subject credit card fraud bankamerica close account send card new account new card send someone else different address suppose send office send wrong address time signature require pay balance include dispute amount full time could n manage post new account trouble move balance owe bring attention agree get payment would move would issue correct statement claim could n could could n email fax prior bankamerica buy able sort things put hold minutes different time finally speak claim head service center report outside chief corporate officer bankamerica refuse send correct statement show payments make say least close bankamerica credit card find connection whatsoever bankamerica expect customer service anywhere else better n glad bank big fail',
 u'compass lien property locate az property go foreclosure last report date credit report reveal days past due however report monhtly obligation reflect monthly dti present time dispute information experian late credit score rebuild credit since foreclosure imagine erroneously large monthly obligation removal would help instead compass eliminate monthly obligation update status charge believe compass exercise neglience fair report penalize event already penalize duplicative penalization rebuild appear futile credit score one month drop significantly worse ever foreclosure proceed post foreclosure report please help negligence compass end burden',
 u'loan claim make payment property tax incorrect ask provide proof payment reciept parcel number yet charge escrow pay back keep look ask question payment make answer pay sure payment go',
 u'live credit card block without proper notification automatically cancel charge closer amount also call customer care raise complaint tell happen due lack document want provide per communication representative come collect file complaint n take action yet call time none come collect document also go branch locate produce still card get release n get status update also pay money use particular month actual due date use card months n know allow use card without proper document months want take necessary action issue',
 u'part mortgage modification seek ability pay tax insurance independent mortgage order better manage monthly expenditures communicate desire pay property tax home insurance escrowed relationship manager mortgage company people modification trial payment process time tell could arrange important enable tell mortgage service company better manage monthly finance modification process time state could do tell mortgage service company allow pay property tax home insurance must escrowed',
 u'mortgage lender llc take follow step ensure file foreclosure pay past due tax property open escrow account increase mortgage unnecessary home tax lien danger tax liens city nj make payments quarterly city city aware behind tax require pay certain amount end year stay danger tax lien ready pay request tax amount city mortgage company intervene request past due tax full payment pay tax bill need pay lender open escrow account cover tax lender subsequently increase mortgage payments per month lender make payment tax retroactively increase past due mortgage payment month xxxxxx retroactively increase past due mortgage payment month xxxxxx mortgage owe month increase escrow account open date prevent lender retroactively increase mortgage payments months entire year previous years payment send cover xxxxxx apply xxxxxx mortgage lender increase past due amount send payment send enough cover new past due amount xxxxxx instead apply partial payment mortgage lender apply money leave payment escrow account without knowledge lender put days delinquent loan receive statement month lender send mortgage statements timely manner fear make payment incorrect amount apply escrow account instead mortgage place behind mortgage payments female senior citizen believe mortgage lender target vulnerable position afford defend predatory methods',
 u'yesterday call mortgage company service llc owe need pay mortgage receive notice company state owe cure default first foremost aware default never agree forbearance loan modification service send certify money order total wire via accord record calculation notice send satisfy requirement cure deficiency tell twice customer service owe payment however balance month inform customer service whose agent number incorrect agent inform balance include late fee escrow analysis tamper owe fee mortgage note predator prey minorities poor business keep people home fraudulent statement business add many fee loan order put customer default destroy dream homeowner people homeless business ethics benefit ceo corporation liars power revoke ability business country loan modification process organization deceptive whomever design model company ashamed order go jail sincerely yobank',
 u'seniors health issue ask lender suggestions help mortgage specifically say interest short sale jeopardy foreclosure never miss payment intend send application say application hop look options perhaps different percentage rate possibly fix rate try call numerous time try tell people want talk someone options one would return phone call get decline assistance loan eligible foreclosure alternatives due reason evaluate criteria idea mean try call phone call never answer shortly decline get letter send information sell house short sale continue call people ask correspondence mean could n connect anyone get fee charge mortgage statement call talk someone say mistake would remove next month fee go call finally write letter unhappy service want fee remove statement response letter person call ask remove fee statement say would check see many months later call say fee appraisal reply ask give permission appraisal send copy appraisal new laws must send promptly month later send call appraisal least six months later appraisal exterior bpo do realtor certify appraiser real estate license know accord firrea rule appraisals mortgage loan illegal also state lenders wish ensure payment appraisals must request payment strangely study new laws regulatorydept continue education real estate find get help mortgage government big farce feel pay appraisal tell mistake say right appraisal certainly receive promptly ask help mortgage cause lot stress money pay lower fico score',
 u'receive email regard credit card offer request credit increase clearly state would credit bureau inquiry make click link email enter request information couple days later receive alert credit bureau monitor service hard inquiry do upon look report show credit card make hard credit inquiry completely opposite email state call confimred email state would creidt inquiry do however say request make different credit card hard inquiry make explain rep click link provide different account mine issue need remove inquiry tell send letter credit dispute department explain send letter wait month receive blunt statement state valid credit request remove inquiry credit bureau perform bait switch offer inquiry credit request hard inquiry negatively affect credit score ask remove receive generic letter state would number contact department send letter call main customer service number say department dosent talk customers nothing else negatively affect credit score remain credit report years false advertise lack fix error',
 u'receive bad information loan attend university attend university know loan go school keep tell enough money continue keep take loan continue right graduate tell n enough money take another loan time find lend loan ask find take loan day time also find much money cost suppose cost almost also suppose years n till years continue tell continue even record withhold adjudication well find waste time college get almost wont even let withdraw tell situation even though say even suppose certify still wont withdraw tell lend situation wont drop loan n feel need pay loan tell lie get money waste time could go something else',
 u'vehicle last vine add somebody tittle change address steele address open mail forge name go get tittle loan auction truck pleace report file utah civil matter im earitated mail breach athorityes job',
 u'apply loan modification boa back could afford mortgage payment almost two years drug modification process many irregularities delay boa offer interest rate higher exist obligation juncture inform boa fax elect opt modification plan customer relation manager inform take business days process wo n modification status apply program would qualify remove tax insurance monthly payment boa escrow department remove impound customer relation manager want remove warn code lockout code say still modification mode send letter boa longer consider request modification situation prevent program able pay mortgage payment current payment include impound exceed eligibility limit per month currently unemployed afford mortgage payment call around time escrow department customer service department etc everybody tell customer relation manager remove cod since call leave message customer relation manager manager many time never call back situation put huge stress family need help situation family fool part stress',
 u'buy car finance sell consumer ahead payments company steal money ahead payments claim past due could n know open complaint office president never hear anything back since account show past due n want anything negative credit report make another payment make payments ahead take whole payment apply interest n even accrue yet short steal right front face tell representative office president standard practice collect interest n event accrue yet theft',
 u'receive write notice home equity line credit currently hold would expire give several choices concern loan choose refinance loan begin step outline several attempt comply request information timely manner document submit request however begin sense application would deny request unreasonable ask copy income tax year specifically schedule though fact obtain official transcript irs present would accept need even though document come irs clearly state form document suitable mortgage purpose request make allow use tax finally accept letter date inform application refinance line credit deny due insufficient payment equity collateral addition information base whole part outside source personally aware deny credit mortgage loan another couple appear real basis denial potential discrimination name information submit upon request believe victim racial discrimination unfair lend practice property valuation report within report market sales trend home compare several others home home tri level compare story dwell know scale risk lend risk credit score pnc use property valuation plainly state report submit real estate appraisal evaluation similar documentation subject property addition late winter list property sale soon thereafter receive write offer purchase home reject offer another offer make reject offer realize ready sale home withdraw home market surely home decline much value less year appear area redline predominantly area believe play big part addition female decline refinance line credit currently',
 u'formally household finance thorn since purchase home predatory loan eventually interest rate exceed eventually get modification pay note time since include month payoff tax insurance say owe pay extra payment ancillary even higher amount note page house note log include even receive letter state would place back loan per government regulation want do pay receive new mortgage amount base lower escrow cost receive another letter state would pay lender advance tax already pay months modification keep payments letter take time put years together call inquire tell still owe pay true company appear attempt swindle fund really send letter request loan activity since cobank e send house note due cause hardship since live fix income also add several fee loan years show sort late fee fee know nothing appear pad loan show statement line assistance give appreciate thank send request date ways rather start modification payments',
 u'buy travel package deal husband credit card go travel promotion price nights resort charge total amount return deposit money return allow another transaction charge bill credit card balance already tell go ahead let charge apply credit card refuse help get money refund receive total refund allow another charge add card call check reservation day catch plane would know cancel',
 u'lower credit limit leave credit limit call close account close account want discuss lower rate tell close account would transfer department transfer tell since account close rate could lower',
 u'kaye jewelers put credit report late payment actually pay beyond payments ask remove credit report refuse',
 u'first contact honda financial service request release title receive title contact around time figure previous request simply ignore need request wait lot time never get title back contact time receive title could finally receive title however time pass much suppose pay late car registration move contact honda financial service request reimbbank ement late car registration fee fine reimbbank ement give fax number send receipt registration find store use fax machine send receipt however get check reimbbank ement try contact say fax document readable give different fax number try travel fax receipt however receive check call honda financial service request stop local honda dealership use fax machine send document however believe problem sender fax machine try different fax machine store local stationery store problem receiver fax machine refuse want waste lot time repeat thing ask email document simply ignore solution request mail document neighborhood however felt already waste much time money resolve problem ask take receipt house send representative nearby turn help however refuse request require spend time money resolve problem take reasonable request feel much frustrate work problem total call time would hobank call wait time also need travel find fax document would hobank whole also need travel dmv couple time need call dmv couple time would hobank whole also need pay little money fax also get much stress matter could work work study request reimbbank e money losses however ignore request therefore would like help receive compensation losses make legal action thank much help advance',
 u'premisesthe adjustable rate note subject loan date party borrower originate lender deed oftrust date date party borrower co borrower originate lender mers name nominee lender beneficiary andxxxx trustee subject loan securitized loan trust thepooling service agreement mention trust require adjustable ratenote endorse originate lender sellerto depositor depositor trustee consequently deed trust assign originate lender tothe depositor depositor trustee chain endorsements assignments also set follow order qualify thetrust internal revenue code mortgage property foreclose favor note must endorse properly security instrument assign thisdoes occur separation security instrument debt instrument separation violate paragraph security instrument contract additionally instance successor trustee designate nothe main issue subject loan securitized however document show thecompliance series endorsements assignments require pool service agreement constitute true sale originate lender seller sellerto depositor depositor trustee order qualify thetrust b give trust status holder due cobank e wouldprotect adverse claim loan originator prima facie evidence signatures assignment deed oftrust substitution trustee forge document present examination record voluntary liensreport show trustee represent foreclosure duly appoint detail find discuss page follow report authorize use borrowers attorneys thecontent constitute write evidentiary find expert whose name appear thebottom report support find audit service qualify veteranmortgage document analyst company independent party financial interestin outcome case stand ready testify state federal court awitness support attorney foundation evidence judicial notice thisreport base upon facts documentation investigation review evidencesupplied',
 u'complaint bb withhold information non cooperation failue provide accurate interest information report',
 u'reach experience frustrate phone call customer service representatives finance total personal insurance gap insurance cover expense leave balance pay call ally auto inquire payment term date late early inform would resume payment original contract date excite would afford fund purchase another car keep job stay current student loan yay ask bill statement record receive mail shortly move life fast forward late pull credit report notice day late payments behalf ally sure erroneous enter payment arrangement call transfer time reach helpful gentleman recognize error put request overturn end call inform next payment due complete shock ask inform situation outline follow another department tell would receive call back call weeks today never receive call take upon reach since receive new bill mail date transfer time reach badge first happy go help right wrong explain issue tell write payment n due explain nothing could except transfer make payment arrangement current due date explain since rearrange life n additional pay base information ally provide try convince payments account still pending go back file pull documentation state policies pay would reassessment account take place tell policy ally request extension find gap cover remain balance issue ally never inform never receive call letter e mail state bill date issue could change result extension also would take upwards months complete request speak supervisor tell one would take call receive call within days tell nothing could do question whomever read something do want responsible would love meet half way error acknowledge',
 u'modify loan approve modification sell finance ask pay trial payment say give another month finalize loan n do anything keep tell next month six months since give final modification',
 u'loan want file complaint continually charge fee late payments last year late payments charge drive house well certify mail charge get pay late since however periodically get certify charge add bill believe correct keep paperwork justify charge believe correct want stop ca n get anything do',
 u'longer need lease vehicle besides fact already find person transfer lease hardest time get necessary paperwork complete process tell would send paperwork mail fax weeks pass never receive anything point assume want discourage fact probably prefer terminate lease hit absurd fee commonly many costumers situation never use institution dealer offer service',
 u'mortgage u loss income due job loss need sell house value house fall upside house offer purchase house would leave shortfall ask work either take less close lend balance u customer years never miss late loan payment u creditor regardless u nothing except ask paperwork regard sale financial record etc provide u inaction month period result buyer cancel sale since could provide clear title u refuse expedite paperwork despite pleas attorney make decision could lessen financial loss u present solid proposals assign contact fill paperwork correctly speak supervisor avail u want move forward simple decision provide solution say work u decide harm take action party incur larger losses',
 u'past years submit paperwork order get modification assumption thru employees im foreclosure however get notice document need assumption get serve foreclosure paperwork veteran ignore certificate eligibility make guarantee va mortgage n know plan protest headquarter get message across',
 u'years ago sear sales person talk apply sear master card receive card never use receive statement owe card reload know never use card never n even drink coffee ignore statement statement come penalty make balance due reply note statement refute charge ask sear card correct record letter card threaten report information account credit bureaus receive new sear card blank check intention use internet search show numerous examples people similar false charge regard card reload wa various credit card appear sear interest stop scam n need aggravation try protect credit rat fault',
 u'name name decease spouse initially appear mortgage die leave discover shortly death name state mortgage refuse give information connect mortgage keep send statements state arrears mortgage state write monthly payments longer apply mortgage put aside years age beyond belief',
 u'attempt get mortgage modification four years time recently place circle without explanation modification restart without final answer previous attempt numerous number agents assist process recently afford dept justice modification part settlement boa due mortgage crisis boa offer proof od security process write pay large monthly installments faith ensure new loan home receive money demeanor boa personnel change towards also timeline complete process drastically expedite rep explain loan would underwrite least days time would receive paperwork need sign give another days return information time hear via phone call modification approve need send require paperwork give less two weeks turn around vital paperwork save home take four years billion dollar fine boa get mortgage right less two weeks attempt escalate concern authority could better assist deny chance speak someone case managers supervisor supervisor rude uncooperative reason tell expect anyone would respond request experience boa leave feel rather foreclose home sale higher price modification order doj order recoup part money lose previous fine serve years confuse boa would include title wife veterans income change dramatically last three years plus flexibility employment limit due high medical demand need modification go ability return need paperwork important finalize detail pray boa would take action allow time need return paperwork adjust policy opportunity warrant feel boa owe customers clients place mortgage reflect true value home make ample time ensure homeowners give time necessary salvage live financial crisis cause boa bank affiliate issue extra care serve lose part serve protect way life agents say thank action speak louder word',
 u'pay mortgage mortgage service center payoff fund send overnight mail title agent post since payoff amount valid pay extra day interest escrow account balance therefore refund check receive mortgage service center date amount incorrect due separate complaint issue file regulatorydept regard mortgage service center earlier year separately agree refund pay process fee release liability process fee pay nothing escrow balance separate account escrow account versus pay fee since mortgage service center could process release liability request timely request document applicable specific situation record oral stipulation divorce record quick claim deed validate financial exchange need refinance elect finally refinance another lender due multiple service issue experience mortgage service center primary reason refinance another lender simple process task reason handle properly mortgage service center although speak several employee process really n seem truly understand process conduct',
 u'get recent modification mortgage service house locate tx add something principal think much money add please help clarify kind charge addition mortgage loan thank',
 u'finance vehicle loan back pay loan maturity date check credit notice loan remove credit report call numerous time correct error avail feel udaap violation lead believe loan would report credit n report',
 u'credit card limit fairly new back begin apply car loan next day speak phone inform approve months new car limit around month unsure want take loan want really make sure could afford big purchase good take time decide n really like new cars close application however spouses car break days later decide call back reapply gain approve months start go paperwork online make sure everything complete ready go even call tell find car want make sure ok go purchase say print blank check take dealer super easy go dealer buy car even turn dealers offer finance tell already check days later go online make sure loan new payment amount show account post yet find concern call tell need hold would look hold tell need keep hold say everything ok everything tell employee say many card say name credit leave hold another minutes confuse really start feel nervous come back say ok say would let loan go review reason something personal information floor shock vague say review everything would take days ask supervisor everyone treat like criminal one tell anything say give blank check approve say know call back several time tell credit card close also review do nothing freeze account drop loan reason buy car n seem fair treat someone guilty n right know go account mistake application fraud do nothing humiliate lock reason finance minutes dealer problems think consumers right know n think bank say approve buy car bad business review see thousands complaints suppose group help veterans dad vet ca n believe please help work hard keep credit good get better better scar might mess close credit card abuse tell dealer friends family shock',
 u'receive write notice home equity line credit currently hold would expire give several choices concern loan choose refinance loan begin step outline several attempt comply request information timely manner document submit request however begin sense application would deny request unreasonable ask copy income tax year specifically schedule though fact obtain official transcript irs present would accept need even though document come irs clearly state form document suitable mortgage purpose request make allow use tax finally accept letter date inform application refinance line credit deny due insufficient payment equity collateral addition information base whole part outside source personally aware deny credit mortgage loan another couple appear real basis denial potential discrimination name information submit upon request believe victim racial discrimination unfair lend practice property valuation report within report market sales trend home compare several others home home tri level compare story dwell know scale risk lend risk credit score pnc use property valuation plainly state report submit real estate appraisal evaluation similar documentation subject property addition late winter list property sale soon thereafter receive write offer purchase home reject offer another offer make reject offer realize ready sale home withdraw home market surely home decline much value less year appear area redline predominantly area believe play big part addition female decline refinance line credit currently',
 u'receive charge card offer apply accept limit activate card use present charge card right activate card send another card limit never activate never use card first bill card come due minimum payment due send via uspmo send due date non activate non use credit card also send bill yearly fee never even activate card call tell want card send back well get next bill card credit payment charge outrageous limit fee late fee etc payment due call rep state accidentally apply payment wrong account number would correct send payment via uspmo along note make sure account correct payments apply correct account number minimum due want keep card also repair credit bankruptcy bill come mail apply payment previous payment state would correct charge outrageous limit fee late fee etc along stupid note spread yobank elf thin think wow total bs call numerous time write numerous time success correct account acknowledge mistake want minimum payment think totally illegal send payments time send minimum even begin keep call write resolution like state totally quit pay point know else time sometime around end start get threaten phone call collection agency mean really threaten like every day well end extremely ill hospitals around time doctor hospitals etc end entire summer due time record anyway come put freeze account currently never know take court illegal judgement call new nothing call etc ask verification etc account payments court order etc receive back info account clearly show put minimum payments onto totally different account proof illegal practice regard also stub payments send via uspmo proof recently call home unknown number state call state something effect name property home address send clerk office mother owner home also get call days row regard property home address clerk court owner home rent property nothing account totally illegally screw along illegal collection practice look website attorney judgement renewal previous get harass threaten illegal call need help',
 u'receive email regard credit card offer request credit increase clearly state would credit bureau inquiry make click link email enter request information couple days later receive alert credit bureau monitor service hard inquiry do upon look report show credit card make hard credit inquiry completely opposite email state call confimred email state would creidt inquiry do however say request make different credit card hard inquiry make explain rep click link provide different account mine issue need remove inquiry tell send letter credit dispute department explain send letter wait month receive blunt statement state valid credit request remove inquiry credit bureau perform bait switch offer inquiry credit request hard inquiry negatively affect credit score ask remove receive generic letter state would number contact department send letter call main customer service number say department dosent talk customers nothing else negatively affect credit score remain credit report years false advertise lack fix error',
 u'years identity steal last year thieve obtain credit card barclay use rent steal cars miles away california provide tip law enforcement lead seizures thieve equipment police video surveillance suspect custody catch steal vehicle many fraudulent ids include provide information police report barclay multiple dispute since recently mail dispute barclay request document relate account include list charge payments make investigative find contact law enforcement contact provide verify information right fcra however refuse provide information thus willful noncompliance fcra',
 u'make deposit md credit card end return home check account online account restrict call request go branch verify identity go mins call do request prior leave tell account back run worry anything repeatedly call weeks ask happen account close talk fraud supervisor could tell close account send notice intent close fraud anything nature nobody give answer account restrict fishy account go close make cash deposit apply mortgage next month due account restrict close pay balance lower utilization rate fraud supervisor tell could still make payments go pay branch tellers tell could n account close due fraud worry credit score get answer supervisors keep say account investigation fraud find fraud end keep ask credit score suffer something mess give clear answer',
 u'subject credit card fraud bankamerica close account send card new account new card send someone else different address suppose send office send wrong address time signature require pay balance include dispute amount full time could n manage post new account trouble move balance owe bring attention agree get payment would move would issue correct statement claim could n could could n email fax prior bankamerica buy able sort things put hold minutes different time finally speak claim head service center report outside chief corporate officer bankamerica refuse send correct statement show payments make say least close bankamerica credit card find connection whatsoever bankamerica expect customer service anywhere else better n glad bank big fail',
 u'lower credit limit leave credit limit call close account close account want discuss lower rate tell close account would transfer department transfer tell since account close rate could lower',
 u'air ways merger create many problems credit card holder issue different card number merger supposedly least merger card number change prior account longer available create lot problems direct bill card holder expect notify company direct bill card change easy task know happen credit score process change credit card time consume card holder business seem significantly interfere time responsibilities work since account change need make f annoy change barclays many rule change term cut time pay eastern live central time zone likely assess late fee finance charge beyond day bill due cut time totally ridiculous credit card company hold presumably national credit card prior airways credit card lot leeway without assess late fee interest rat easy fair removal late fee charge card change merger card look exactly like prior card except new account number additional print card seem change essential n appear barclays also record phone access account request account holder provide full social security number full credit card number seem outrageous provide last digits credit card number zip code request barclay make seem ripe issue identity theft must provide additional private information speak associate think request full social security number full credit card number excessive especially also ask zip code bill address possible security system design programmers information likely consider protect private information supposedly yet another credit card change initially go another card within weeks card require use barclays merger create lot extra work credit card holders provide much information via phone lead customer fraud identity theft',
 u'sign credit card tell csr account would interest free approx initially call regard something check account open save account tell pre qualify credit card intro apr charge apr attempt call figure situation ask repeatedly pull call listen call could determine say supervisor say option call review tell way pull call despite call log bait switch part apart fraudulent business activities',
 u'credit card auto pay years auto pay happen aware stop auto pay charge late fee due none payment call speak bill pay department online department credit card department transfer back online bank tell system upgrade cause issue however still charge fee could confirm auto pay go happen know system issue would auto correct issue instead charge fee want people hope n complain take minutes day department take real responsibility make difficult people give collect fee even charge',
 u'years ago sear sales person talk apply sear master card receive card never use receive statement owe card reload know never use card never n even drink coffee ignore statement statement come penalty make balance due reply note statement refute charge ask sear card correct record letter card threaten report information account credit bureaus receive new sear card blank check intention use internet search show numerous examples people similar false charge regard card reload wa various credit card appear sear interest stop scam n need aggravation try protect credit rat fault',
 u'live credit card block without proper notification automatically cancel charge closer amount also call customer care raise complaint tell happen due lack document want provide per communication representative come collect file complaint n take action yet call time none come collect document also go branch locate produce still card get release n get status update also pay money use particular month actual due date use card months n know allow use card without proper document months want take necessary action issue',
 u'buy travel package deal husband credit card go travel promotion price nights resort charge total amount return deposit money return allow another transaction charge bill credit card balance already tell go ahead let charge apply credit card refuse help get money refund receive total refund allow another charge add card call check reservation day catch plane would know cancel',
 u'mortgage company say owe one month back mortgage n keep send letter say past due one month',
 u'discover card holder entire card membership company never late monthly payments always stay credit line never charge credit card purpose make legitimate purchase months ago without warn notice advance company close account thereby wipe years credit history associate card contact company demand answer excuse longer able meet service need company never give forthcoming response importantly cashback bonus account close card tell discover agent return cashback bonus two bill cycle wait two bill cycle get nothing today call cashback bonus tell account close cashback bonus forfeit however website say credit account cashback bonus balance account close use within months credit card company important thing fulfil promise contract consumers company use real action prove follow contract moreover upon discussion cardholders information learn internet reasonable belief close target large number cardholders particular racial ethnic background specifically without grind believe regulatorydept get similar complaints near future respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like close indeed motivate racial bias company action put end thank',
 u'try complete loan modification citimortgage inc refuse forward loan document investor citimortgage servicer master service investor submit loan modification paperwork send loan modification review appropriately',
 u'write letter regard mortgage loan since house involvement loss mitigation department mortgage service begin early unexpected downturn business result significant loss income inability make mortgage payment immediately contact mortgage customer service department learn options available receive detail package mail initiate loan mitigation process meanwhile mortgage transfer mortgage service submit require document mortgage service numerous time call check status packet force leave voicemail occasion opportunity speak agent indicate packet send loan processor yet call back packet loan processor call repeat attempt request progress remain null point process clear mortgage service loss mitigation department engage pattern practice certainly unsupportive comply request mortgage service however appear override goal loss mitigation department force loan foreclosure take property make payments remain behind difficulty maintaing payments point need assistance',
 u'home recommend foreclosure schedule sell auction throughout process work preservation client representativenmlsr last speak monday inform list home short sale expect offer shortly call courtesy would prepare offer packet arrive time tell offer packet would consider receive afternoon offer hand compete package submission call office inform fact enquire reason attorney unable receive response available speak connect alternate agent inform agent would submit offer today tell could submit offer review less days auction date point conversation day requirement ever communicate transfer agent agent tell submit offer packet would guarantee would review auction cancel within day window auction submit auction package today want escalate matter full consideration regard review packet stop auction approval short sale pending offer packet correct complete additionally requirement receipt least days never communicate spite fact communicative responsive information need last eight months letter sale auction mail notification home schedule auction do via register mail record receive regardless revise less days date complete correct offer hand day requirement never communicate notice sale receive less days auction date respectfully request agree review offer package',
 u'card years today receive follow email card important information accountfrom card customer servicedate receive pmdear action need recent account review indicate income information may outdated require federal regulations current income file order service account satisfy future credit need please take moment update income privacy important always keep information secure simply click update information update income mobile app log select profile settings menu select account profile sub menu also call hobank day days week appreciate business opportunity service thank choose sincerely r card customer serviceimportant informationyou receive e mail cardmember please reply e mail able respond message send address question federal regulation require tell card annual income guess break regulation wo n give card income please prosecute please please',
 u'decrease monthly payments hello write issue im private loan service aes college degree unfortunately change qualifications career use degree make specific unable find legitimate work field without school ca n afford due lower pay job barely account live expense let lone student loan payments currently find due job fall contact aes options bring current lower payments something afford refuse say already use options make mad will pay every month n matter loan mine service cheapest pay religiously auto debit slowly creep towards default ca n anything unless put family well risk n care unwilling consider people situations work fail offer real guidence',
 u'bayview foreclose property without proper notice provide documentation legal counsel show act within law legal counsel request require documentation trustee co provide proper documentation middle loan modification take place',
 u'trouble payments handle student loan current servicer private student loan recently send letter indicate recent review discover unpaid interest previous deferment period add principal loan balance minimum monthly payment lower resolve add unpaid interest principal balance however exact amount add disclose letter along indicate monthly payment also increase amount also disclose indicate adjustments reflect monthly statement within next days explanation amount add back arrive dollar figure letter also indicate credit apply interest balance loan know arrive exact figure either letter send extremely vague discuss arrive decision calculation use add back amount principal balance new monthly payment would letter also state do ensure loan pay full end repayment period additionally letter state adjustments make increase total cost loan however balance increase along monthly payment upon log account discover student loan add back principal balance find answer question contact student loan unable obtain answer mention payment increase approximately per month representatives speak last two days give answer arrive calculation use determine exact amount add back principal balance fail follow regard concern repayment close five years time payments feel mislead pay mistake make see recent statement attach pay amount go interest alone also indicate late fee date school oh',
 u'problems customer service sallie mae web site difficult make online payments loan account number show loan summary click loan appear previous loan disappear site difficult may years experience student loan last month payment reverse n reverse n sallie mae n either pay late fee help fear son graduate site difficult could result loan default please help fix mess dislike work private loan company try get answer customer service exhaust ask speak supervisor put hold minutes hang better things time',
 u'since purchase home divorce due special need ongoing medical expense know mortgage payment could afford contact see could send form fedex fill could never get past point reach person handle service loan series phone tag file chapter n change monthly outlay expense approve social security cause private company stop pay benefit income reduce since file consumer complaint mortgage want file hardest hit fund first approve give paperwork rework mortgage give email address person handle loan submit document request response receive letter still wait miss document close request hardest hit fund pay home loan months need loan modify order keep home believe qualify need complete process full time single parent own loan lot relief mine year fix fha loan',
 u'purchase car make timely payments report credit bureau pay since pay longer report credit bureau call see go say stop report due inaccuracies report credit bureau would start report last month later call back say still inaccuracies stop report ask anything account inaccurate say account correct stop report start report find inaccuracies stop report problem process buy home need payment history apply back credit bureau score increase',
 u'purchase current home process sell previous home close new home prior close old home payment months close new home close old home proceed pay additional new home ltv become approximately loan value less base appraise value think pmi would roll well threshold sure call lender request removal days past date request tell would review problem give ltv receive letter state new appraisal need complete application send check however application appraisal cost data supply current appraisal perform close less months old home value monitor service place home value appraisal call insist home value decline area significantly need new appraisal despite result service provide home value monitor state investor loan require independent state require standard procedure loan season less years specifically discuss loan processor situation home discuss prepayment penalties pmi etc assurances along problem response email refer federal reserve guidance removal pmi state borrower may initiate cancellation pmi coverage submit write request servicer servicer must take action cancel pmi cancellation date occbank principal balance loan reach base actual payments first schedule reach percent original value irrespective outstanding balance base upon initial amortization schedule case fix rate loan amortization schedule effect case adjustable rate loan original value also define guidance original value define lesser sales price secure property reflect purchase contract appraise value time loan consummation case refinance term mean appraise value rely upon lender approve refinance transaction guidance clearly state servicer would must take action cancel pmi cancellation date occbank principal balance loan reach base actual payments percent original value definition original value tie directly loan amount appraisal conduct loan consummation appear require new appraisal confirm however remain steadfast assertion must pay approximately new appraisal despite current recent appraisal guidance provide believe violation right federal reserve requirements',
 u'mishandeled paper workour mortgage servicer ruin credit submit negative report credit bureau trial period lower payments prior finalize modification trial period meet requirements sign modification agreement current thereafter somehow report credit bureau days late negative impact ripple impact much card cancel reduce due erroneous information contact several time hear escalate wait treasury department make corrections also advise write letter answer representatives call threaten manner state need payment house go foreclosure always say modification plan current record n correct frustrate level service receive n sure federal program monitor service company fha loan',
 u'currently review loan modification sale date schedule previously approve loan modification paperwork send wrong address property needle say never receive paperwork start tell foreclosure sale date enough time complete modification review please help get sale postpone',
 u'target department store refuse comply scra federal law practice decrease interest rate reimbbank ing late payment interest rate amount charge duration spouses',
 u'harass target redcard charge card aprox dollars around last year thats realize mistake business target say late owe dollars purchase pay time communicted credit account electronically request remove dollar fee fine extortion cost business apparently n check e communications wait wait reply never get charge fee fine extortion obedient say owe original purchase pay finally reply e communication ask call call tell supervisor would call back never start get robo call answer wouldnt connect add another dollar fee fine extorion owe original purchase pay full months ago say chancelled card keep add dollars apparently also pay interest fee fin extortions days ago call talk team member say couldnt anything could remove original fee first month also claim receive e communications even though save email resonse email account lock credit account ca n view bill online totally disablied send email log know red target mean',
 u'receive bad information loan recruit college attend fla speak college offices say get federal loan student aid n enough cover tuition say need apply private loan give website phone go say need use lend company school go also say get approve would get loan disbbank ement monthly house pay per month interest lender apply approve loan start school promise give check month pay month n get check second half school start make apply lend service tell time apply first half school year apply charge interest part loan increase loan interest payment per month ask interest payment go say loan amount increase say tell interest payment school per month tell get per month live expense pay back every month work try support family school also promise help get work school consist hand pre print list employers area could could hire school also guarantee help find obtain employment time graduation happen find place hire obtain information place apply call say graduate would good employee never say school bad reputation employers wont even look say go school every place put application florida immediately reject school attend n think legal practice n know could fight without pay lot money obtain lawyer agree attend tell school loan payment would approx per month ha school loan payment month afford make per hour hrs week family take care laws well call lend tell reduce payments short period add interest charge etc back loan still want per month plus put hold know college put significant amount money help past present students loan scam think sign think part suit investigate',
 u'call boa settle outstanding debt drive call offer call back raise money later tell problem week later boa call back ask additional confuse say get post date payment review previous call agree take money post date payment call say settlement deny source money wife give borrow another source explain business sell leave debt deny unemployment time try settle pay bill instead file bankrucpy agree days later get another call say settlement deny unless pay additional',
 u'try get modification mortgage since time tell write yes modify write loan say give party collection ca n give name company se contact ask much money afford pay never enough keep go accept payments interest rate almost modify mortgage wo n keep threaten foreclosure want make payments want keep home get different story every time last denial hamp modify mortgage true hamp modify mortgage research help make several appointments account rep since one else give information avail pronounce persons name understand ask several time speak avail need help several letter years state modification available please help matter',
 u'numerous attempt able get information regard final payment process draw loan finalization fha loan delay provide information final payment process loan finalization prevent contractor get pay timely manner fha loan pay contractor prevent reimbbank ed thousands dollars outlayed loan inception order maintain loan value ratio prevent able refinance loan different current lower rat review fha loan initiate originally contract finance mi despite fact loan unfinished work remain do loan sell tx time due lack communication refusal fulfill request current account information months several request file complaint regulatorydept complaint number delay cause contractor file lien house currently late contractor finish require work inspection do fha hud inspector also receive reply email inquiries tuesday email contact third party advisor involve loan transfer familiar process request guidance proceed final payment process draw finalization loan friday receive detail representative cc contact indicate aside detail provide would able assist longer company tuesday receive reply email string email contact record request information proceed final payment process finalization loan see attach email copy receive response thbank day send another email contact reference original request finalize loan ask provide response ensure email correct address remain contact people see attach email copy friday receive email response contact apologize delay say would look account call detail see attach email copy roughly week later thbank day still receive information email request information necessary finalize loan see attach email copy later day receive phone call contact say partner new third party company assist administer loan indicate would review loan representatives contact follow day friday monday latest hear wednesday email ask information proceed final payment process see attach email copy today wednesday receive information proceed final payment process finalize loan',
 u'trouble payments handle request credit reversal disputemy name unite state veteran appal treatment receive sallie mae inc serve country honorably officer years never think financial future would scar student loan company credit damage due errors misinformation give sallie mae loan representatives cosigner niece student loan request credit reversal derogatory information stain credit report also discover thousands online customer complaints document errors inefficiencies misinformation make sallie mae employees speak sallie mae representative regard loan tell niece family undergo economic hardship retire status along care mom place difficult position term repayment loan mention forbearance option state niece father grant maximum forbearances state sallie mae state since family still undergo economic hardship would appeal management another forbearance provide would pay fee give financial statement phone ask deferment option say niece school give information pay fee assure would everything could get favorable answer management regard forbearance request keep credit negatively affect say n able would receive call never receive follow call state forbearance approve call sallie mae military division inquire additional program veterans tell forbearance process deny derogatory information report credit bureaus representative say tell likely another forbearance would grant opportunities exhaust also discover approve forbearance past sallie mae never go back adjust days past due also credit report pay good faith misinform disregard niece father call speak sallie mae representative request forbearance loan take financial information say would push day forbearance however could n guarantee would work hard get approve call back hear sallie mae day tell sallie mae assistant nothing do yet transfer back forbearance department take call say everything take care someone would call payments late receive numerous call throughout day time call sallie mae tell follow call would make one call regard status update early part speak sallie mae representative give information report previous forbearance approve niece father tell every forbearance day late report sallie mae drop ball several time penalize misinformation faulty loan service derogatory late payment information damage credit credit reversal request',
 u'lender servicer indicate sole plaintiff wilmington trust beneficiary investor loan relate property wa counsel sole plaintiff file complaint judicial foreclosure case washington state case state complaint client wilmington trust trust holder note plaintiff indicate responses subsidiary wilmington trust act trustee capacity please check past record review important letter state question direct party lawsuit complaint office today solely wilmington trust sole plaintiff case ts past letter office indicate loan servicer best equip answer question expect answer question matter come direct plaintiff wilmington trust lawsuit time rely darn thing entity proclaim would like know follow plaintiff wilmington trust ask wilmington trust sue accept trustee new rmbs settlement agt dollars trust appear part also ask wt servicer already attempt much deception along huge misrepresentation attempt fraudulent illegal foreclosure action use beneficiary fabricate document assignments fraudulent affidavits declarations different employees vp title name robo signors claim non judicial county foreclosure case result admit never own loan beneficiary also write verbatim report court exactly date wilmington trust acquire note discharge ch bk allegedly sell trust wt truly holder note attorney claim problem answer question back proof recreate document various newly create poa like wt holder allege wet sign note perhaps put write issue valid nod match reason avoid n go release note within trust never really sell trust please provide proof loan pool specify within trust please advise whether loan ever tie trust file trust essential legal owner record homeowner years significant investment learn truth already take fraudulent path deception wf servicer instead affect every possible chance get legal modification proper mediation wa state foreclosure statute homeowners opportunities refuse lose home entities attempt steal family home sake unjust enrichment huge fraud big business',
 u'want refinance loan also modify loan soon saw want sell loan bay view loan service soon loan sell find obank elves people come appraisals house without call make appointments pay appx late fee company could provide proof open escrow account name without ask permission even though tax insurances pay late attempt call time leave message get voice mail finally get hold person tell issue escrow account get close inform cfbp put hold never answer phone anymore hold minutes hang phone last year subdivide property mortgage sign subdivision mortgage cover properties recognize properties even county different apn number new lender send appraiser appraisal old property incorrectly provide false information',
 u'husband receive absolute divorce court award property ex husband file separately chapter exhusband reaffirm mortgage obligation debt bankruptcy reaffirm mortgage obligation soley responsible chapter grant since bankruptcy make mortgage payments set document divorce decree quit claim deed statement request release lien send gmac directive remove ex husband name loan liability loan transfer sell experience financial hardship contact regard loan modification shockingly packet receive ex husband name contact explain husband release loan liability gmac ask divorce decree quit claim deed send modification packet resent without ex husband name complete financial information process modify modification include cancellation debt report irs however report irs account name per tell could modify loan information name still loan need assume loan send requst assumption direct appropriate document divorce decre quit claim deed receive letter acknowledge receipt docments transfer account name name contact regard release liability contact customer care tell agent assumption could request account ben current months include modification period ask information include letter response request assumption able answer question able speak department generate correspondence ask supervisor transfer main customer service number go prompt reach explain situation tell assumption do third party name already loan record knowledge ex husband name loan explain party exhusband release loan gmac ask bankruptcy department question divorce party file separately bankruptcy reaffirm continue hold non reaffirm party liable chapter grant customer service able transfer call dept account bankruptcy knowledgeable answer question understand bankruptcy ask supervisor place hold minutes representative finally say supervisor unavailable schedule call loan modification rep arrangements make next day miss call message leave call back follow prompt reschedule call attempt make ex husband convey interest property file quit claim deed file chapter bankruptcy reaffirm mortgage loan obligations bankruptcy grant release liability',
 u'dispute center around credit card debt incur begin bofa charge follow charge continue repay principle amount outstanding fully satisfy subsequently discover bofa unlawfully assess interest fee least account post charge request repayment bofa deny even bofa account overpay yet return despite company statement attach letter would receive refund seven ten business days attach relevant document able find curiously bofa unable supply proof debt way background since initially believe collection agents own debt question file complaint regulatorydept agencies case number however process discover despite tell otherwise years bofa fact never sell debt complaint request repay bofa either entire collect time bofa verify exactly owe alternative ask interest fee believe illegally assess account complete graduate school follow tech crisis tragic events unable find continuous work period years debt lade without work fell behind credit card payments eventually account go charge status ensue years account transfer number collection agencies include time fully intend repay debt soon employ fact begin repay collection agencies continue monthly payments satisfy amount allegedly due throughout time repeatedly ask bofa agents confirm amount owe legal owner debt uniformly tell bofa transfer debt fee interest charge account post charge however proof could supply believe recobank e continue make payments full amount request satisfy clean old paper find statement somehow previously overlook statement clearly show interest fee assess account post charge statement attach complaint show attorney fee interest assess account charge however despite assess fee never receive statement bofa show fee interest add principle due fact post charge bofa stop send statements importantly fact dispute bofa admit charge interest fee account amazingly tell much furthermore conversations representative bofa acknowledge stop send statements account charge truth lend act bofa right assess amount account force return since demonstrate interest fee assess ask amount return immediately however since bofa verify debt fashion would also ask return entire pay time demonstrate exactly owe',
 u'request mortgage company stop call job give cell home phone number continue call job work help desk individuals answer phone know boss answer phone past also ask call work number every morning still get two phone call mind call mine wife cell home phone really need stop call job anything do stop call work place',
 u'purchase new vehicle include payoff old car car dealership mail payoff finance company finance company receive check apply account reverse credit return check car dealership finance company yet provide reason dealership mail another check check receive since clear call finance company several time give track number check number check nothing do still receive call account past due tell resolve payment report credit bureau late payment call leave message supervisor call back week call deal another representative call issue almost month rep handle hear back either nothing resolve',
 u'year old female retire due decrease income health concern become increasingly difficult make mortgage payments almost two years apply apply enter trial modification period receive permanent loan modification document loan purchase company begin make regular payments receive foreclosure intent letter inform qualify hamp loan modification tell could apply non hamp modification begin tell stress cause affect health feel like get run around trust anyone point mortgage payments past months draft check account apply mortgage disconcert addition continue accrue late fee penalties mortgage balance unclear right point worry lose dream home build plan stay pass hop help sincerely concern homeowner',
 u'current mortgage hold purchase years ago countrywide recently apply refinance loan consolidate several loan vacation property home improvements estimate could get monthly payments several hundred less per month compare current mortgage monthly payments outstanding debts house appraise several hundred non refundable report come back k total new mortgage upside history timely complete payments current mortgage well debts credit score range wife employ receive pension include yearly income b approx per year think go slam dunk yesterday receive probably request documentation consider artificial hoop place account department illustrate owe federal tax ask days ago substantiate source fund pay amount send image actual check endorse stamp irs account rout visible last email request documentation support source fund use pay income tax confirm receipt document point mistrust sincerity ever get loan finalize clue would put wife thru elaborate redundant process refinance mortgage save email communication well document send fool errand',
 u'penny mac purchase note time loan sell agree term loan modification penny mac require resubmit new package turn request resubmit do several time resolution',
 u'recently insurance unjustly force everhome mtg provide proof insurance timely manner plus time subsequent threaten letter everhome mtg advise proof insurance proceed force insurance exhaustive effort finally compel remove unjust instrument insurance agent advise everhome mtg admit receive prior email fax documentations cover letter attach problem happen every year discuss issue everhome escalation department advise supervisors quality control recommendation keep call acknowledge proof insurance since employee talk record problem unlikely solve alone',
 u'receive notification loan transfer via letter date transfer effective also loan company continuously point blame legal',
 u'auto loan call request month extension representative phone gather information process request let know small payment due payment due final small payment due payments would return back normal advise would receive paperwork mail call back n receive paperwork yet also website payment still due even though make payment base information call representative advise original request complete apologize advise complete since already make payment next payment n due say ok await paperwork receive paperwork againi receive number call collection agency return call request supervisor transfer ext find neither extension request ever process advise would complete extension apologize mistake tell customer service department note account suppose complete extension never apologize handle extension point months report delinquent wife credit different credit agencies apologize say nothing rectify would call back today find ally would rectify report accurate information credit advise need take agencies advise fault leg work ask representative today note system snd able read note write ally financial reps date request copy note tell need subpeana get advise system could provide penalize credit ally financials neglagence please help get resolve n documentation since provide advise note system internal use still others pull credit take huge drop delinquency report would like delinquencies remove asap need information available speakthis way shape form mistake resolutioni would like delinquency remove credit agencies asap would like letter explain mistake letter explain resolve situation penalize try get credit due neglagence resolve soon possible since note system show call suppose resolve',
 u'due court order divorce either refinance home put market speak agent lock rate deal agent inquire account wonder continue add interest back end loan call back follow morning say incorrect would look tell time essence today go another level take care time essence need help matter see go loose rate lock sell could easily lose deal due insufficient knowledge hold mortgage millions others knowledge something know give respect long time customer try fulfil court order please help sincerely',
 u'auto loan call request month extension representative phone gather information process request let know small payment due payment due final small payment due payments would return back normal advise would receive paperwork mail call back n receive paperwork yet also website payment still due even though make payment base information call representative advise original request complete apologize advise complete since already make payment next payment n due say ok await paperwork receive paperwork againi receive number call collection agency return call request supervisor transfer ext find neither extension request ever process advise would complete extension apologize mistake tell customer service department note account suppose complete extension never apologize handle extension point months report delinquent wife credit different credit agencies apologize say nothing rectify would call back today find ally would rectify report accurate information credit advise need take agencies advise fault leg work ask representative today note system snd able read note write ally financial reps date request copy note tell need subpeana get advise system could provide penalize credit ally financials neglagence please help get resolve n documentation since provide advise note system internal use still others pull credit take huge drop delinquency report would like delinquencies remove asap need information available speakthis way shape form mistake',
 u'california homeowner work inc servicer mortgage loan loan modification loan modification process also proceed foreclosure process violation california homeowner bill right dual track prohibition although supply inc necessary documentation request send letter state receive documentation proof fax fax number supply contact letter ask additional information give narrow timeframe provide days provide information ask week prior foreclosure sale move forward sale anyway lose home also sell home less owe time offer opportunity pay less save home properly handle loan modification application numerous complaints inc another case pending california court see v et al unite state district court district california nearly identical circumstances homeowner send require paperwork loan modification inc claim receive everything need proceed foreclose appear pattern practice company foreclosure trustee unlawfully foreclose people home',
 u'feel like scammed home management service law firm try foreclose home complete chapter discharge neither nothing bankcruptcy process discharge complete start get contact management tell owe nothing report information attorney try bully modification say send paperwork anyway say modification attach inform attorney later get letter say would foreclose keep get information say owe money management attach receive lettter say house would sell courthouse step attach monday someone foreclosures leave notice door attach get legal documentation say go court system since part bankruptcy process understand get right foreclose modify home previous home loan want handle properly want owe one else money think scam would go court system proper foreclosure original home loan mortgage transfer mortgage attach something right way entire process handle want federal local law involve foreclosure go occur',
 u'accidently make two mortgage payments one month cco mortgage refuse refund additional payment position receive money owe right money return',
 u'house sell sheriffs sale three months leave redeem want house predatory fraudulent help urgent live reverse mortgage know three second take sign paper give house awaythis place live want house land back nice house myfather leave father husband build house fifty five years ago im senior citizen widow may live another twenty years raise children help help help urgenti accident fault speed process take house away also sell loan law mortgage michigan',
 u'co signer assist loan gm finanicial declare probate court issue guardian guardian want loan gm finanicial refuse release contract make payments loan sole party responsible payments continue make payments ward state release contract',
 u'presently work refinance mortgage process come attention servicer seem employ potentially unfair deceptive practice come manage escrow deposit ask prospective lender provide proof tax pay embarrass learn despite fund mean pay tax take escrow account county tax collector yet receive fund result substantiate tax pay write tax payment delinquent fund tax pay assume fund sit servicer transit account wait pay least days phone morning speak call center inform fund send electronically research matter history remember fund withdraw escrow account speak county tax collector today inform current payment remain due last year county collect tax payment servicer days penalty free due date curiosity trace payment history back servicer statements cover escrow account available website show money come escrow account full month remit county presumably save interest expense take fund early remit last minute tax division county indicate past years servicers habit pay days penalty free due date servicer change last couple years say certain remove money account well advance days pay fund county interest appear systemic process allow remove fund customer impair customer flexibility take away days interest time may small amount interest customer would seem add big cost save purpose close refinance transaction may end delay pay tax pocket close transaction interest rate lock soon expire may end force pay tax twice preserve substantial value rate lock surprise learn time would expect practice engage wide scale many servicers',
 u'enrol program call sponsor amount suppose advisory educational service many call e mail enrol weekly option advisory program suppose automate third party receive agreement could set account enrol program dispute charge initiate refund would understand get suppose get result charge credit card new agreement term condition agree try challenge charge say agree new charge complain many time without result need help reverse charge service never receive thank much',
 u'submit complaint failure modify home equity line credit accord mortgage modification whereas unable afford payment home right worth mortgage balance modify make home affordable program lien balance currently income meet payments current level file discrimination lawsuit court judge grant summary judgment lose case due reason believebank refuse fair reason want give affordable modification payment really want keep home rate loan really n know afford right feel like lock loan forever way able refinance loan please help',
 u'fell behind mortage payment seneca mortgage service llc state months behind return month payment state accept entire amount due approximately prior send someone home represent seneca take photos outside home leave notice plan begin forclosure process contact next day initiate repayment program would put add additional month mortgage payment next months complete th month call make payment inform owe still months behind interim never send copy agreement amortization despite several request account manager could explain additional payments apply demand copy repayment plan send create days phone call original term term show claim term agreement phone call record could obtain detail asset manager return call account manager ask stop talk dispute issue resolution afraid agreessive forclosure threats',
 u'husband service member apply va send loan document receive communication primary concern repeat communication nfcu rate lock would expire close loan receive call processor month application submit tell condition loan approval must submit access number evidence membership nfcu provide access number via email continue email call supervisor express concern lack communication loan process receive copy mortgage loan approval communication nfcu call email repeatedly status update express concern would able close loan prior rate expiration tell need pay via credit card update mortgagee clause master insurance policy condo hoa order update insurance certificate since processor fail request update despite provide information twice month prior total lack action progress loan application ask file escalate supervisor ensure close timely speak admit loan significantly delay due processor office everyone extremely busy assure due delay unable fund nfcu would extend rate days lock cost tell documentation need close loan payoff demand send payoff authorization nfcu incur fee current lender provide payoff demand nfcu receive email communication confirm loan close imminent specifically n close tomorrow might still able close fund receive phone call minutes later inform loan decline reason decline old nfcu account discharge via bankruptcy several years ago credit information fully disclose loan application process credit report pull nfcu access number provide month earlier belief nfcu never intention close loan lock rate unjustified delay lack communication evidence lack effort expend nfcu honor rate lock agreement reason denial va requirement conveniently nfcu honor loan approval base arbitrary overlay ask counteroffer options proceed husband loan without switch loan products etc tell loan decline make perfectly clear nfcu intention proceed transaction regardless eligibility va loan program lack good faith negligence exercise nfcu matter cause significant irreparable harm family',
 u'husband visa account name card confuse name three years ago information link account time take local branch resolve last week receive e mail address regard branch visit call fraud division state give e mail address sorry e mail different many people know name try take survey correct tell visit branch give pass word assume account know give information lady person assure case',
 u'pay exist loan ca account number since refuse file reconveyance deed show loan pay full talk tell law state days say send letter state loan pay loan still show active cause problem future refinance date xxxxxxxxxxxx',
 u'check write toyota motor company payment unable read check correctly pay toyota instead get letter say late call pay balance another letter say pay say payment go pay balance show credit report late payments toyota credit attempt resolve toyota refuse take credit also report bankrupsy period think could report case miss read check please help get credit report thank',
 u'house sell sheriffs sale three months leave redeem want house predatory fraudulent help urgent live reverse mortgage know three second take sign paper give house awaythis place live want house land back nice house myfather leave father husband build house fifty five years ago im senior citizen widow may live another twenty years raise children help help help urgenti accident fault speed process take house away also sell loan law mortgage michigan',
 u'auto loan call request month extension representative phone gather information process request let know small payment due payment due final small payment due payments would return back normal advise would receive paperwork mail call back n receive paperwork yet also website payment still due even though make payment base information call representative advise original request complete apologize advise complete since already make payment next payment n due say ok await paperwork receive paperwork againi receive number call collection agency return call request supervisor transfer ext find neither extension request ever process advise would complete extension apologize mistake tell customer service department note account suppose complete extension never apologize handle extension point months report delinquent wife credit different credit agencies apologize say nothing rectify would call back today find ally would rectify report accurate information credit advise need take agencies advise fault leg work ask representative today note system snd able read note write ally financial reps date request copy note tell need subpeana get advise system could provide penalize credit ally financials neglagence please help get resolve n documentation since provide advise note system internal use still others pull credit take huge drop delinquency report would like delinquencies remove asap need information available speakthis way shape form mistake',
 u'discover card holder entire card membership company never late monthly payments always stay credit line never charge credit card purpose make legitimate purchase months ago without warn notice advance company close account thereby wipe years credit history associate card contact company demand answer excuse longer able meet service need company never give forthcoming response importantly cashback bonus account close card tell discover agent return cashback bonus two bill cycle wait two bill cycle get nothing today call cashback bonus tell account close cashback bonus forfeit however website say credit account cashback bonus balance account close use within months credit card company important thing fulfil promise contract consumers company use real action prove follow contract moreover upon discussion cardholders information learn internet reasonable belief close target large number cardholders particular racial ethnic background specifically without grind believe regulatorydept get similar complaints near future respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like close indeed motivate racial bias company action put end thank',
 u'call boa settle outstanding debt drive call offer call back raise money later tell problem week later boa call back ask additional confuse say get post date payment review previous call agree take money post date payment call say settlement deny source money wife give borrow another source explain business sell leave debt deny unemployment time try settle pay bill instead file bankrucpy agree days later get another call say settlement deny unless pay additional',
 u'write letter regard mortgage loan since house involvement loss mitigation department mortgage service begin early unexpected downturn business result significant loss income inability make mortgage payment immediately contact mortgage customer service department learn options available receive detail package mail initiate loan mitigation process meanwhile mortgage transfer mortgage service submit require document mortgage service numerous time call check status packet force leave voicemail occasion opportunity speak agent indicate packet send loan processor yet call back packet loan processor call repeat attempt request progress remain null point process clear mortgage service loss mitigation department engage pattern practice certainly unsupportive comply request mortgage service however appear override goal loss mitigation department force loan foreclosure take property make payments remain behind difficulty maintaing payments point need assistance',
 u'home recommend foreclosure schedule sell auction throughout process work preservation client representativenmlsr last speak monday inform list home short sale expect offer shortly call courtesy would prepare offer packet arrive time tell offer packet would consider receive afternoon offer hand compete package submission call office inform fact enquire reason attorney unable receive response available speak connect alternate agent inform agent would submit offer today tell could submit offer review less days auction date point conversation day requirement ever communicate transfer agent agent tell submit offer packet would guarantee would review auction cancel within day window auction submit auction package today want escalate matter full consideration regard review packet stop auction approval short sale pending offer packet correct complete additionally requirement receipt least days never communicate spite fact communicative responsive information need last eight months letter sale auction mail notification home schedule auction do via register mail record receive regardless revise less days date complete correct offer hand day requirement never communicate notice sale receive less days auction date respectfully request agree review offer package',
 u'decrease monthly payments hello write issue im private loan service aes college degree unfortunately change qualifications career use degree make specific unable find legitimate work field without school ca n afford due lower pay job barely account live expense let lone student loan payments currently find due job fall contact aes options bring current lower payments something afford refuse say already use options make mad will pay every month n matter loan mine service cheapest pay religiously auto debit slowly creep towards default ca n anything unless put family well risk n care unwilling consider people situations work fail offer real guidence',
 u'complaint file never receive email never receive phone call barclay reduce credit card rate promise would pay interest late fee do nothing help except provide legal aid joke every credit card help one affect credit report severely believe send generate responses well manage pay card late fee interest mine absolutely help take responsibility require law provide phone number woman force close account give phone number allow give information someone pretend rude vindictive need backtrack remove fee accrue point card would pay want negative score credit report already send letter next certify days law credit report agency remove report',
 u'dispute center around credit card debt incur begin bofa charge follow charge continue repay principle amount outstanding fully satisfy subsequently discover bofa unlawfully assess interest fee least account post charge request repayment bofa deny even bofa account overpay yet return despite company statement attach letter would receive refund seven ten business days attach relevant document able find curiously bofa unable supply proof debt way background since initially believe collection agents own debt question file complaint regulatorydept agencies case number however process discover despite tell otherwise years bofa fact never sell debt complaint request repay bofa either entire collect time bofa verify exactly owe alternative ask interest fee believe illegally assess account complete graduate school follow tech crisis tragic events unable find continuous work period years debt lade without work fell behind credit card payments eventually account go charge status ensue years account transfer number collection agencies include time fully intend repay debt soon employ fact begin repay collection agencies continue monthly payments satisfy amount allegedly due throughout time repeatedly ask bofa agents confirm amount owe legal owner debt uniformly tell bofa transfer debt fee interest charge account post charge however proof could supply believe recobank e continue make payments full amount request satisfy clean old paper find statement somehow previously overlook statement clearly show interest fee assess account post charge statement attach complaint show attorney fee interest assess account charge however despite assess fee never receive statement bofa show fee interest add principle due fact post charge bofa stop send statements importantly fact dispute bofa admit charge interest fee account amazingly tell much furthermore conversations representative bofa acknowledge stop send statements account charge truth lend act bofa right assess amount account force return since demonstrate interest fee assess ask amount return immediately however since bofa verify debt fashion would also ask return entire pay time demonstrate exactly owe',
 u'fico score available credit lt debt give month today receive email invite balance transfer appear violation credit reform law section email state pay balance full month pay interest purchase please note accept offer begin pay interest new purchase even pay purchase balance full month avoid pay interest new purchase must pay total balance full include balance offer due date month appear violation law state payments shall apply highest interest debt first',
 u'card years today receive follow email card important information accountfrom card customer servicedate receive pmdear action need recent account review indicate income information may outdated require federal regulations current income file order service account satisfy future credit need please take moment update income privacy important always keep information secure simply click update information update income mobile app log select profile settings menu select account profile sub menu also call hobank day days week appreciate business opportunity service thank choose sincerely r card customer serviceimportant informationyou receive e mail cardmember please reply e mail able respond message send address question federal regulation require tell card annual income guess break regulation wo n give card income please prosecute please please',
 u'call boa settle outstanding debt drive call offer call back raise money later tell problem week later boa call back ask additional confuse say get post date payment review previous call agree take money post date payment call say settlement deny source money wife give borrow another source explain business sell leave debt deny unemployment time try settle pay bill instead file bankrucpy agree days later get another call say settlement deny unless pay additional',
 u'payment arrangements bring credit card account current speak several representatives give different payment options correspondence document tell make payment tell via message center make payment already send payment plan send difference notice account close inquire closure tell account days past due close tell correspondence different representatives never tell account go close even though make require payments tell payments would bring account current card would still open active',
 u'capitol one call say someone open credit card florida credit card open florida live',
 u'fraud commit account months ago card charge make company request information provide insure want cobank e get card reinstate wo n accept information clearly correct claim copy copy wo n accept enough harass phone call ca n accept things provide indeed right things ask please cancel card risk exposure card ca n even use could cause credit problem identity problems refuse close account reactivate even though provide legitimate document prove ask help get account close lessen exposure top fraud',
 u'back request close secure card keep security deposit bring card zero balance report close consumer request months later start report every month late put late payments change charge say owe pental fee never tell ruin credit capital one set could call regular customer service speak ceo administrator talk like less person say owe additional close account never tell miss payments say say charge please correct miss payments years payment please correct give penalty dishonest',
 u'charge items barclay credit card defer interest months later make require payments pay total month enough pay defer interest charge barclay payoff defer interest charge',
 u'target department store refuse comply scra federal law practice decrease interest rate reimbbank ing late payment interest rate amount charge duration spouses',
 u'discover card holder entire card membership company never late monthly payments always stay credit line never charge credit card purpose make legitimate purchase months ago without warn notice advance company close account thereby wipe years credit history associate card contact company demand answer excuse longer able meet service need company never give forthcoming response importantly cashback bonus account close card tell discover agent return cashback bonus two bill cycle wait two bill cycle get nothing today call cashback bonus tell account close cashback bonus forfeit however website say credit account cashback bonus balance account close use within months credit card company important thing fulfil promise contract consumers company use real action prove follow contract moreover upon discussion cardholders information learn internet reasonable belief close target large number cardholders particular racial ethnic background specifically without grind believe regulatorydept get similar complaints near future respectfully urge regulatorydept take matter seriously look case consumers powerless protect obank elves discriminatory action like close indeed motivate racial bias company action put end thank',
 u'enrol program call sponsor amount suppose advisory educational service many call e mail enrol weekly option advisory program suppose automate third party receive agreement could set account enrol program dispute charge initiate refund would understand get suppose get result charge credit card new agreement term condition agree try challenge charge say agree new charge complain many time without result need help reverse charge service never receive thank much',
 u'capitalone repeatedly refuse allow card remain open since go inactive repeatedly request send card ask proof address along id send help',
 u'credit card end expiration date show credit report delinquent due purchase around total due show due late fee interest charge see information credit report drop credit score nearly point contact discuss matter tell use card close years card expire also able confirm also never renew card expire certainly account would automatically close within nearly year timespan card expire well make purchase card nearly years date transaction hospital wife daughter bear advise actual credit card swipe location store imagine credit card purchase do online use expire credit card expiration date cod magnetic strip would process modern pos credit card processor prompt look credit report due fact deny credit card recently apply never happen excellent credit score notice report card delinquent never authorize transaction expire account credit card allow transaction process do fraudulently result report inaccurate information credit bureaus directly affect ability obtain credit directly address issue transaction allow occur state send fraud application fill receive notice pending investigation believe fraud application moot issue due fact credit card transaction allow occur first place however fill return per instructions credit card deny derogatory remark promotion sign card would get credit issuer website seek compensation',
 u'husband visa account name card confuse name three years ago information link account time take local branch resolve last week receive e mail address regard branch visit call fraud division state give e mail address sorry e mail different many people know name try take survey correct tell visit branch give pass word assume account know give information lady person assure case',
 u'harass target redcard charge card aprox dollars around last year thats realize mistake business target say late owe dollars purchase pay time communicted credit account electronically request remove dollar fee fine extortion cost business apparently n check e communications wait wait reply never get charge fee fine extortion obedient say owe original purchase pay finally reply e communication ask call call tell supervisor would call back never start get robo call answer wouldnt connect add another dollar fee fine extorion owe original purchase pay full months ago say chancelled card keep add dollars apparently also pay interest fee fin extortions days ago call talk team member say couldnt anything could remove original fee first month also claim receive e communications even though save email resonse email account lock credit account ca n view bill online totally disablied send email log know red target mean',
 u'statebridge company llc mortgage company cooperate anybody anyone fell foreclose everything try save home every go harp program qualify program statebridge say differently review income qualification get proof statebridge still say anybody get short sale still give short sale center hard time cooperation refuse help short sale center information make need please help sale date want home make suitable mortgage payment thank',
 u'home mortgage pay keep home equity loan open say redo differently another home equity loan jump hoop get approve balance k refinance reasonable rate notice assess addition month call take next month call take say month tell charge loan k never tell charge become hard deal pay interest part payback loan think legitimate give people underhanded charge thoughts please ps last conversation today say charge check account draft coverage home equity loan ever tell would charge person set equity loan leave legitimate',
 u'deny modification time numerous service errors documentation regard ownership loan misrepresent contribute denial modification also attorney send cease desist letter repping reference illegal foreclosure action take violation mgl b',
 u'send letter respect report bloomingdale account days late fact response receive previously verify also make contact bloomingdale speak customer service representative request investigate information date matter resolve bloomingdales report account days late fact letter send respond verify make numerous call attempt clarify make resolution explain customer service representative current days late addition speak representative name inform issue credit bill credit protection program never sign instruct need make monthly minimum payment since issue credit amount receive alert creditreport com state late days bloomingdale immediately contact bloomingdales explain instruct know would mark days late would make payment advise need pay issue credit get charge late fee also instruct would need pay full balance due order bloomingdale remove item file explain representative force pay balance due bill due bloomingdale sxxxx defame character add incorrect information credit file fact accurate customer since always make payments timely adverse information credit file show potential lender ability make payments timely bloomingdale merely abuse authority place invalidate information file bloomingdale sxxxx act report inaccurate information file constitute fraud federal state laws due fact bloomingdale violate fair credit report act violation fair debt collection practice act defame character simply match number database sufficient validate person account addition inquiry validate complaint treat new complaint indicate consumer matter previously verify request negative items remove file',
 u'receive correspondence date state thorough review allege account show loss mitigation activity immediately respond request ask protocol citimortage use determine loss mitigation reference attest document trust file sec gov already satisfy well aware dispute fdcpa answer question regard determination loss mitigation pbank uing remedy court law violations fdcpa maryland consumer protection act criminal conduct however still answer question regard attest document trust citimortgage legal counsel also aware dispute send another letter state foreclosure proceed go start even though allege debt dispute fdcpa cat mouse game get really old psa find www sec gov cik series',
 u'auto loan locate texas month send two payments equal one month payment one half payment mail first week month second half payment mail payments due date month state receive first half payment therefore always late accord second half always late today go line check account state receive one payment ask true balance still last month receive full payment candid record payments balance n know credit report know keep record late reflect credit',
 u'want make aware visa mc vau visa account updater master card automatic bill updater abu program program whereby report card lose steal issuers credit card automatically issue new credit card number merchants request monthly bill continuity subscription merchant without ask notify essence give number third party without consent situation fraudulent bill account set online merchant name unable get redress merchant create account could provide account name number cancel set fraudulently call card issuer bofa cancel account issue new card month later charge show new card bofa cancel card issue new one months laster card merchant charge card without contact someone provide new card number continue bill erroneously problem lie fact visa mc major bank like bofa program provide merchant new card number ensure smooth transition keep bill consumer even file fraud report find incredible bofa fraud department keep take fraud report change card visa keep give new card number merchant without approval stick never end cycle fraud perpetrate visa recobank e cancel relationship bad financial policy urge regulatorydept investigate financial industry give personal financial info without consent',
 u'apply modification income plummet due collapse economy president obama administration issue new laws regulations help distress homeowners stay home apply modification hope mortgage modify hardship low income loss co signer longer live marry live elsewhere loss child support dream become nightmare case managers change constantly documentation send enough new document request every new manager case document request claim upload instance fax document thru bofa branch xxxxxxxx page days later call document arrive request time modification longer consider sensitive documentation tax return misdialed send unknown recipient ask letter explanation never hear anything bofa pbank ued modification thru naca three days provide document verbally inform bofa representative payment would afford question process record event also bofa send check city escrow acct mistake question tell overpayment make payments full escrow pay year offer modification trial payment period four months thru condition modification disclose order bofa make lower payments hop despair agree unknown tell send check via mail thru electronic bank period present modification package extend mortgage additional years bofa send person home collect sign document immediatelly startle thsi standard procedure ever hear conduct question tell never receive modification want expect question tarp moneys receive help homeowners reduce principal tell bofa investor fannie mae participate reduction principal participants law suit part hesitate sign document yet later send locations bofa north carolina colorado texas bofa never acknowledge receive start receive applications ask submit document previously many time speak new case manager phone tell document need give follow call able get answer bofa last receive day package state longer actively review application loan assistance receive request document state receive initial borrowers package state need information continue evaluate home loan assistance contain whole application package provide receive letter state loan transfer absolute mess torture years inhumane practice carefully calculate discourage disgust consumers pbank ue day trial payments bofa put late payments credit',
 u'apply loan modification back loan representive time tell back loan modification approve would receive package feed ex go term time ask late payments state long review modification late payments issue never receive feed ex package call term call since try get answer n yet really bother foreclosure high florida need know status loan qualify modification plan keep home definitely n want get far behind see way catch loan buy back actually loan modification review loan transfer bsi financial service give run arounds since day tell representive longer company representive surprise state find loan modification package send previous representive another stall tactic get payments behind bsi put foreclosure need answer bsi financial service asap',
 u'need information balance term chapter since case turn chapter discharge last year wait receive repayment instruction loan nothing yet yesterday get harass call collection agency will go payment plan repay ca n afford lump sum want deal collection agency',
 u'get flexible payment options attend loan forgive acct include need stop send notice pay back loan unless receive help government please check inform find',
 u'service apply inspection fee amount mortgage balance amount add regular monthly statement statement phone speak agent ask documentation show agree write liable charge several letter many phone call exchange since initial call date neither provide documentation prove liable charge honor repeat request remove charge account',
 u'account financial service owners card due economic hardship transfer account debt management company assist control monthly payments make continuous payments program get lay job find dire straits debt management company relay news without knowledge notify debt management company send letter write per law end participation program sell account debt collection agency fair debt collection practice act report inaccurate information credit report agencies state abandon account fact also send letter write notify sell account third party collection agency send letter via register mail also contact new york state department consumer protection receive reply approach refuse return call letter regard account require urgent assistance take legal action',
 u'tax escrow account mortgage issue escrow check pay county tax purpose forget check end send days late fault stop payment check believe without talk see pay assess interest penalties fully responsible problem payment check stop assume responsibility pay tax since still hold escrow call immediately upon receive notice check stop assure pay county n receive payment call follow week assure send check still receive county call third time tell check send county would incur interest penalties county postmark second month would late n actually send check county result second month interest penalties responsible absolutely nothing could do prevent second month interest penalties call repeatedly hold money escrow instead take responsibility second charge take entire months interest fee escrow account call final time today resolve issue escalate manager refuse accept responsibility late payment hang mid sentence every time call verify phone number hang could accident n call back see recobank e file complaint',
 u'receive credit report marker thirty sixty day credit marker payments however arrange deferral contract monthly payments extend onto end lease period monthly payments bring date via deferral account bring current request credit markers remove',
 u'agree fee charge close account loan payments draft automatically every month without delay time setup ecsi website automatic payment draft account start even increase minimum payment notice account draft assume setup correctly automatic payments receive call state payment receive due fee immediately call speak representative name explain try setup website automatic payments please go ahead take new account information monthly dues draft advise do start time go ahead make payment website represent late fee call receive another call call back speak advise payment still miss owe another fee total moment request automatic payments stop think decline transaction go ahead call ask explanation tell receive request debit account call back ecsi advise try collect could n collect payment even specifically ask account remove system payment submit n cover payment apply interest due fee note late since start loan see unfair practice lender recommend regulatorydept look collect fee unfairly borrowers due mistake way system configure poorly train representatives fee advise twice possible remove suppose still receive call supervisor business hobank appreciate time',
 u'find name primary mortgage loan sc owcen financial corporation award es wife quick claim deed record divorce agreement give ownership property property go foreclosure month months rear months ago ex wife purchase another property loan value ratio would allow purchase another property debt first property talk point contact first property dont property anymore strong believe signature document release debt purchase another property clear first property make complaint sc inform fraud department owcen llc concern due quick claim deed file record attach note fraud purchase debt leave',
 u'hello process purchase home nj reach pnc mortgage secure finance seller property strict requirements contract e g deposit non refundable deposit still process negotiate finalize purchase contract explain situation pnc mortgage tell concern pnc perspective whether property would appraise purchase price understand could tell definitively would would appraise time mortgage application explain concern tell base experience finance units build certain appraise explain could barely afford property could afford pay even pocket close property appraise statement reiterate assure multiple time make finalize contract term seller soon contract finalize pnc appraisal come less purchase price upset outcome felt deceive believe certain property would appraise purchase price say b c significant difference appraise value unable pbank ue home purchase lose deposit would never agree n certain statement pnc mortgage persuade believe something true b c significant deviation expect appraisal believe take accountability negative outcome lose due mortgage salesman try sell mortgage',
 u'close account without proper notice card expire reason give letter date state term applicable account longer available speak representative tell use card different stories believe age discrimination',
 u'receive monthly mortgage invoice include note state monthly payment increase effective also state loan maturity date variable interest loan currently set also note monthly invoice call mortgage provider get amortization schedule could know portion monthly payment apply principal portion towards interest speak customer service representatives neither could tell information say file n amortization schedule explain would learn principal interest application receive bill would get amortization schedule know loan payment would convert principal interest payment time monthly payment significantly higher year loan interest rate least would like explanation get either',
 u'apply mortgage loan mortgage loan pre approve year conventional loan loan approve lock interest rate rate lock expire mortgage rat subsequently decrease rate expire new rat lower ask nmls id give new lower rate refuse close property nj xxxxxx legal right wish file formal complaint cfbp governmental agency jurisdiction begin investigation matter mail hard copy pre approval letter well approval letter review sincerely mobile xxxxxxxxxxxx',
 u'submit request loss mitigation options authorize rd party leave several message follow confirm document receive authorize agent would return call finally reach record line state refuse review document receive days prior sale date refuse send anything write state please help never notify last day loss mitigation options write verbal please help',
 u'start review modification caliber still review modification document request submit nothing additional need authorize party inform agent caliber name file decline reason upcoming sale date less days allow complete review close review simply want foreclosure valid reason denial modification review start representative state record line party pull client anything point besides reinstate loan one help remind record line hang please help',
 u'trouble payments handle ive pay loan im recieving letter mail say owe dollars go wen get call recieving paper work mail say hat pay back remain balance use loan company paidn loan loan witch include take tax return almost dollars im super irritate someone need reaserch figure many debt collection agencies loan keep get place contact mesayin owe thousands dollars together owe dollars period',
 u'file chapter bankruptcy mortgage include bankruptcy continue make payments month every month never miss payment ever late bac debit account twice month check credit report year find bac give negative rat start start n r rat go x unknown also state account close well discharge bankruptcy include statements bac even escrow account review begin end show pay every month previous credit report receive state bac pay agree current never late nothing change end try rectify bac credit bureaus avail however since dispute rat bac retaliate transfer account mortgage since find collection agency read nothing horror stories agency reason adverse credit report first place certainly reason transfer account collection agency since current always time payments malicious unconscionable act part bac bac even speak concern credit report idea even problem bac saw credit report n understand change everything blue nothing change payments suspect since statements start mention bankruptcy bold print could foreclose default agreement make fraudulent claim try set foreclosure ca n right thing consumers beyond department nothing figure ways steal disrupt live plain defraud customers report correct information credit report ca n even refinance home adverse credit report bac',
 u'live home years danger lose auction due action lender caliber loan endure extraordinary hardship slowly rebuild life situation however caliber refuse open review current financial situation assign case manager dedicate contact tell options short sale reinstate loan full possible n understand refuse even consider work help look current financial situation change considerably since last review receive millions bailout dollars think suppose look information give chance refinance loan little year later wife turn decide take go road abandon kid long periods unexplained absences several months later divorce paper draft time take care kid make mortgage payment since desert six months earlier however police come go court could afford attorney wife grant well control house force leave house kid move apartment employer find lose job well eventually find job spare time sell order keep feed obviously position make mortgage payment time wife never make mortgage payment let house lawn pool go start company right size bring save money slowly build good income source fight eventually able get back house able get wife divorce finalize try put life back order step time contact see could do point apparently offer interest modification find fact see paperwork offer expire suspect ex wife still lurk around time something try since engage caliber make progress business income continually increase son live house work well contribute share caliber actually take time review retention options something require due acceptance government bailout fund would see fit guidelines assistance continue refusal even give seat negotiate table outrageous',
 u'receive full payment credit card balance date account credit least conversations originally b deny money even b confirmation number also electronic transaction information finally b locate money initiate transfer correct account time call receive different date account might credit b bill amount pay almost month ago apparently report non payment credit bureaus',
 u'mortgage account inc account initially sell soon account pain time current since however file public record state bankruptcy dismiss information completely inaccurate refuse correct asap even though contact numerous occasion last person speak ask send letter detail issue affect credit information write credit bureaus insist information verify even though get response within days sure take days verify information',
 u'trouble payments handle loan education service acct one day work since get behind payments never days behind last payments minimum payment effort catch last week start get phone call something call account call aes representative claim account days late could find last payment minimum make payment online bill pay way make payments since indicate arrive today aes show payment make days late correct representative demand send track information refuse aes notorious credit payments timely manner time catch red hand please aes credit account timely manner remove negative credit report make last months almost do deal criminal organization would appreciate keep close eye thank',
 u'citcards charge penalty default apr years yet price information account say rate apply months bring attention resolve situation refuse copy email exchange well price information attach see section title penalty apr apply subtopic title long penalty apr apply',
 u'try resolve problems andtheir credit card matter go onsometime need resolve problems thebank helpful send formattedlong letter hope come solution',
 u'contact mortgage service company order obtain letter entail amount need reinstatement avoid eminent foreclosure send letter reinstatement state amount amount need avoid eminent foreclosure contact inform relate n write letter nature also state process foreclosure upon property litigation confuse foreclosure legal process secure creditor sell repossess parcel real property owner fail comply agreement lender borrower call mortgate deed trust since process try force sale house court represent say danger eminent foreclosure direct make payment immediately unsure payment would go sure would use avoid eminent foreclosure process get help work n seem interest work say conversations record discrepancy conversation transpire',
 u'mortgage sell time years suppose conventional fix turn arm without consent make complaint already mortgage company credit score incorrect briefly lie ask could make payment tell apply principal apply anything life save hardship regard lie try modify without remorse firstly first mortgage w sell go complain go complain say last time afterwards sell immediately ahms home mortgage service time never receive welcome packets payment stub mortgage company time idea mortgage company extreme hardship try modify several time avail record conversations would work never receive welcome packet payment stub sell turn around sell loan service co loan rep tell foreclosure due car accident tell deed luei refer car accident modification could afford paymentso tell go credit report tell fema seize house due substantially damage home hurricane flood insurance avail home send final payout document understand treat professionally',
 u'finance document lose hurricane report two time credit report negatively clue first comprise account lease option buy payments month pay time complete second compromise account loan ahf payments make yr period payments go month behind due financial hardship father help bill get behind mine communicate honda time since pay would like lease positive never miss payment loan remove credit report honda finance rude negligent company ever deal express hardship honda care miss payments ask could put back end loan reject understand pay loan family member stage car payment miss life save commendable would think another bunch jerk finance dept nasty n care father sick need payment right proof payment ask title sell car',
 u'pnc mortgage force pay fee time make payment online even weeks prior due date either force n force setup recur monthly payments get pay bi weekly n want sign pay mortgage early differently month last option send check still cost money n write check',
 u'around purchase brand new car versa goal car five years least miles car start give problems research problem power train issue extend warranty make model car week return car condition next day return car currently car run test addition fix car car fail inspection give bill fix car pass maryland state inspection rip purchase car pay car balance appraise less miles refurbish engine legally drive car state maryland go purchase new car tell would able finance versa balance',
 u'macy charge month interest close account request close high interest rate n state close account macy still able charger interest state macy collect remain balance owe agreement sign terminate upon request close collect remain balance macy agreement terminate late fee macy send type information state account close macy able charger late fee decide file complaint macy please investigate case thank sincerely',
 u'open credit card account dad think would could company credit good bumbs good enough get loan approve limit month later open another card better interest rate also limit card almost maxed many purchase buy return always change work hard keep credit good keep get get better make payment apply auto loan approve buy car tell suspect fraud decline loan already give blank check approve dealer instead problem call say card close would tell say permanently say yes say new almost maxed say isnt point ti use late credit card years problem approve credit expect use close card tell able affect credit report never late abuse card past years work hard improve credit fair do anything wrong keep card could care less pay asap dont think report status close nothing break contract',
 u'mortgage company city mortgage would rather foreclose except monthly payments fight mortgage company two years believe predatory lend fraud go modification sign modification still foreclose',
 u'send letter resolution deny believe action unjust write heavy heart extremely dishearten dissatisfy level insensitivity lack understand communications receive representatives regard close account charge request charge reverse due miscommunications technicality speak representative notify hardship become unemployed notify account would charge saturday weekend pay bill monday pay next business day idea account would charge weekend neither explain information detail additional information also tell cease desist order account puzzle never request cease desist never tell order would put account request contact via telephone today represent mention cease desist stop phone call correspondence would never agree request receive phone call totally different receive mail never know issue still receive monthly statements therefore n get reminder notice upcoming charge notice actual charge notice pertain cease desist order consent several hardships cobank e account unemployment several time newborn bundle joy nevertheless financial adversity accept position insufficient thus move mother recently become unemployed best could almost complete payment full quite unfair disappoint receive charge account difference days weekend days furthermore never receive notification pertain charge due mention unauthorized communications disconnect think business help people would much rather see pay bill build credit vs damage credit derogatory charge ask compassion thereby reverse charge aforementioned account allow pay outstanding balance amount without steep penalty really like hope customer financial situation change better thank kindly consideration time immediate attention matter provide require additional information please feel free contact',
 u'servicer record loan modification document county clerk document execute tell many time servicer document send county recorder date go recorder office call repeatedly record receive document loan mod legal record two months reason complete timely manner',
 u'call credit card service time day regard credit card debt call weekend holiday sometimes night',
 u'initiate contact via write notification bill errors fail acknowledge respond fair credit bill act dispute letter certify letter recieved confirm via record telephone line contact multiple time fail return call ask investigate verbally well last correspondence via phone account manager refuse investigate escalate resolve issue',
 u'deny modification time numerous service errors documentation regard ownership loan misrepresent contribute denial modification also attorney send cease desist letter repping reference illegal foreclosure action take violation mgl b',
 u'home mortgage pay keep home equity loan open say redo differently another home equity loan jump hoop get approve balance k refinance reasonable rate notice assess addition month call take next month call take say month tell charge loan k never tell charge become hard deal pay interest part payback loan think legitimate give people underhanded charge thoughts please ps last conversation today say charge check account draft coverage home equity loan ever tell would charge person set equity loan leave legitimate',
 u'cease desist demand send certify mail return receipt reference consumers account end consumer specify consumers wish account close note account close consumer consumers credit report consumer warn consumer would check consumers report within thirty days date notice make sure honor consumers request consumer receive letter date state apply cease desist account mean would longer contact consumer state cease desist impact payment plan arrangements previously arrange lead consumer believe account close note request consumer consumer request knowledge account reflect close consumer fair credit report act fcra u c section u v consumer inform warn comply consumer would file formal complaint consumer financial protection bureau regulatorydept ask complaint forward govern entities copy cease desist document attach complaint proof positive request warn consumer intent honor consumers request fair credit report act fcra time violation fair credit report act u c u fcra misuse misreporting credit information provide consumer furnish information consumer report agencies subject section fcra u c section impose series duties prohibitions upon person entity furnish information consumer report agency report account active voluntarily close consumer misstate balance due violation fcra consumer right request consumer account reflect consumers wish close account consumer credit report tell write consumer intend file federal lawsuit negative information place consumers credit report account close consumer',
 u'send letter resolution deny believe action unjust write heavy heart extremely dishearten dissatisfy level insensitivity lack understand communications receive representatives regard close account charge request charge reverse due miscommunications technicality speak representative notify hardship become unemployed notify account would charge saturday weekend pay bill monday pay next business day idea account would charge weekend neither explain information detail additional information also tell cease desist order account puzzle never request cease desist never tell order would put account request contact via telephone today represent mention cease desist stop phone call correspondence would never agree request receive phone call totally different receive mail never know issue still receive monthly statements therefore n get reminder notice upcoming charge notice actual charge notice pertain cease desist order consent several hardships cobank e account unemployment several time newborn bundle joy nevertheless financial adversity accept position insufficient thus move mother recently become unemployed best could almost complete payment full quite unfair disappoint receive charge account difference days weekend days furthermore never receive notification pertain charge due mention unauthorized communications disconnect think business help people would much rather see pay bill build credit vs damage credit derogatory charge ask compassion thereby reverse charge aforementioned account allow pay outstanding balance amount without steep penalty really like hope customer financial situation change better thank kindly consideration time immediate attention matter provide require additional information please feel free contact',
 u'receive full payment credit card balance date account credit least conversations originally b deny money even b confirmation number also electronic transaction information finally b locate money initiate transfer correct account time call receive different date account might credit b bill amount pay almost month ago apparently report non payment credit bureaus',
 u'call credit card service time day regard credit card debt call weekend holiday sometimes night',
 u'send letter respect report bloomingdale account days late fact response receive previously verify also make contact bloomingdale speak customer service representative request investigate information date matter resolve bloomingdales report account days late fact letter send respond verify make numerous call attempt clarify make resolution explain customer service representative current days late addition speak representative name inform issue credit bill credit protection program never sign instruct need make monthly minimum payment since issue credit amount receive alert creditreport com state late days bloomingdale immediately contact bloomingdales explain instruct know would mark days late would make payment advise need pay issue credit get charge late fee also instruct would need pay full balance due order bloomingdale remove item file explain representative force pay balance due bill due bloomingdale sxxxx defame character add incorrect information credit file fact accurate customer since always make payments timely adverse information credit file show potential lender ability make payments timely bloomingdale merely abuse authority place invalidate information file bloomingdale sxxxx act report inaccurate information file constitute fraud federal state laws due fact bloomingdale violate fair credit report act violation fair debt collection practice act defame character simply match number database sufficient validate person account addition inquiry validate complaint treat new complaint indicate consumer matter previously verify request negative items remove file',
 u'check credit report report since effect livelihood family try purchase home due build credit short credit point lender state capital one would update would score need goto close feel violation fair credit report act report monthly require',
 u'macy charge month interest close account request close high interest rate n state close account macy still able charger interest state macy collect remain balance owe agreement sign terminate upon request close collect remain balance macy agreement terminate late fee macy send type information state account close macy able charger late fee decide file complaint macy please investigate case thank sincerely',
 u'initiate contact via write notification bill errors fail acknowledge respond fair credit bill act dispute letter certify letter recieved confirm via record telephone line contact multiple time fail return call ask investigate verbally well last correspondence via phone account manager refuse investigate escalate resolve issue',
 u'rec ltr acct cr n do want statementsements current see cr issue revesring put bk acct',
 u'capitol one remove separate occassions last two months account without permission review capitol one account online nowhere amount note call also say evidence remove call call get back say certainly remove refund open investigation get money back owe balance time outright take hard earn cash pay attention would outright steal would love press charge know company crook everyone know still open',
 u'close account without proper notice card expire reason give letter date state term applicable account longer available speak representative tell use card different stories believe age discrimination',
 u'try resolve problems andtheir credit card matter go onsometime need resolve problems thebank helpful send formattedlong letter hope come solution',
 u'account financial service owners card due economic hardship transfer account debt management company assist control monthly payments make continuous payments program get lay job find dire straits debt management company relay news without knowledge notify debt management company send letter write per law end participation program sell account debt collection agency fair debt collection practice act report inaccurate information credit report agencies state abandon account fact also send letter write notify sell account third party collection agency send letter via register mail also contact new york state department consumer protection receive reply approach refuse return call letter regard account require urgent assistance take legal action',
 u'open credit card account dad think would could company credit good bumbs good enough get loan approve limit month later open another card better interest rate also limit card almost maxed many purchase buy return always change work hard keep credit good keep get get better make payment apply auto loan approve buy car tell suspect fraud decline loan already give blank check approve dealer instead problem call say card close would tell say permanently say yes say new almost maxed say isnt point ti use late credit card years problem approve credit expect use close card tell able affect credit report never late abuse card past years work hard improve credit fair do anything wrong keep card could care less pay asap dont think report status close nothing break contract',
 u'sign quicksilver card via link see specifically advertise annual fee month enrollment notice membership fee charge account call email several time present evidence original offer reply automate message ignore substance issue',
 u'want make aware visa mc vau visa account updater master card automatic bill updater abu program program whereby report card lose steal issuers credit card automatically issue new credit card number merchants request monthly bill continuity subscription merchant without ask notify essence give number third party without consent situation fraudulent bill account set online merchant name unable get redress merchant create account could provide account name number cancel set fraudulently call card issuer bofa cancel account issue new card month later charge show new card bofa cancel card issue new one months laster card merchant charge card without contact someone provide new card number continue bill erroneously problem lie fact visa mc major bank like bofa program provide merchant new card number ensure smooth transition keep bill consumer even file fraud report find incredible bofa fraud department keep take fraud report change card visa keep give new card number merchant without approval stick never end cycle fraud perpetrate visa recobank e cancel relationship bad financial policy urge regulatorydept investigate financial industry give personal financial info without consent',
 u'citcards charge penalty default apr years yet price information account say rate apply months bring attention resolve situation refuse copy email exchange well price information attach see section title penalty apr apply subtopic title long penalty apr apply',
 u'home short sale program several months sps present several offer company come back deny property need repair work buyer several weeks spend time money prepare bid repair lender value set property fair market value agent work value properly reflect repair need throughout process tell sps property sale date even though publicize today still communication problems sps advise trustee sale schedule property monday hold try foreclose instead work agent sell house sps mislead several weeks lie many time advise agent sale date work indeed sale date per trustee active',
 u'complaint credit union americahave try modify mortage loan financial bank already do modification reduce loan small process do within days credit union best rude really interest modification repeat call person charge counterdicted regularly tell four months late allow short sale repeatly lose document make threats would allow modifications visa card pay interest reduce interest rate would rather home verey unprofessional collection activities visa card mail letter line credit underwater mastercard line credit countrywide almost years pay interest readjust principal readjustment make sense payment letter date months play game document make decision could afford loan home loan team offer short sale afford loan give options except leave home keep call ask question permanent go back work repeatly state go away never go back work year get worse never better best rude make threats better pay loan creditors force retire numerous charge off recover credit bureuas almost pay creditors months start process score drop must model credit bureuas saw pay loan score drop piints days state denial could afford loan base totally credit score give complete budget form yet consider high credit risk call wife threaten short sale negative wellover negative call wifes phone work withourt permission call cell phone every home loan late threats short sale forclose yet neither days past due',
 u'initiate short sale speak winterize property speak short sale packet receive house confirm winterize attempt call desk receive email offer receive review phase speak escalation clause submit check see house winterize b c recent show local agent say notice condensation windows speak w appraisal do yesterday nd mortgage file must clear negotiator helpful speak w lien problem offer still review speak w property winterize first time borrower inform borrower responsibility short sales maintain property short sale deny home salable condition offer go move foreclosure status submit paper work time offer accept counter want home list appraise value interest price point lot interest move foreclosure status',
 u'mortgage change rule escro years agreement cause payment go drastically months lead days day late refinance another pay agree time since dispute report credit turn assign day late response never happen verify feel attack complain',
 u'receive preapproved credit card application mail card currently attempt rebuild credit time fill application await response card receive denial letter mail today discover card cite collection charge judgment reason denial',
 u'approx yrs ago file bankruptcy bankruptcy proceed agree continue make payments loan faithfully make payments timely manner recently apply credit deny fico score contact ask n report credit history national credit report agencies reply contact experian report agency claim receive info go circle please help rectify matter',
 u'contract help negotiate settlements credit card debts go fine third represent fiasco write settlement agreement make settle payments month period place money escrow financial guarantee payments agree payments make schedule refuse last payment back deal bill full original amount never receive credit accept copy original agreement copy cash payment check idea go original debt amount put collection pass agency another since already pay service email call back forth attempt resolve issue agree answer call respond email attempt find status feel commit fraud leave adverse effect credit report severely restrict employment possibilities insurance cost',
 u'call regard issue monthly statement exact issue last year since able help think would help time wrong say able help last year complaint file phone transfer another department speak guy say would put copy correct statement mail immediately would receive middle follow week never happen still receive correct statement file complaint bbb complaint resolve never get correct statement grace period pay mortgage payment since obvious n go get actual customer service go ahead make payment cross wrong number payment slip payment also include additional principal last years check clear mean receive payment time statement get due date say unapplied fund monthly principal amount apply correctly additional principal pay apply correctly statement say owe absolutely call try get unapplied fund issue resolve rude woman phone would n even let finish sentence hang call leave voicemail escalation department voicemail say return customer call next day never call back mortgage still mess choose mortgage holder sell never would choose customer service suck need fix mess account create correctly apply thousands dollars principal payments send also need return customer phone call change voicemail something n lie customers',
 u'log macy account pay balance full make purchase n reflect loan balance time pay call creditor ask n receive statement courtesy call would remove day late account process buy new home tell statements go email account n years ask process statement reject address tell nothing believe need update system show outstanding balance better process notify card holders return electronic statements disappoint news mortgage rate go since cancel credit card macy',
 u'issue relationship manager act official representative mislead directly cause situation design systems zero accountability complaint mislead information back date begin date loan modification process cause loan become days past due therefore subject foreclosure proceed also refusal accept monthly payments also direct result action employees lump sum due acceptance high premium repayment schedule monthly payments resume action direct result action employees remedy put loan back original state loan modification process start especially since directly ask breach days deadline assure proceed document approve modification would successful point also inquire letter ask letter administration power attorney last testament advise proceed inform year ago exactly documentation possess could obtain reference account holder statements say authorize account clear begin first initiate communication never advise proceed due authorization ability obtain require documentation complete modification underwrite department review document advise proceed modification review assure least twice document would suffice throughout entirety modification every single time request supply letter administration power attorney last testament question several time instruct proceed even receive notice ineligibility assume loan advise would still successful modification process ask another review department underwrite initiate process zero accountability representative mislead consumer ombudsman department direct back department system call complain say relationship manager consultations may record provide record review state clearly easily rule authorization documentation require modification information clearly define available begin ask review documentation distribute necessary departments review prior initiate action underwrite department advise proceed convenient mistake benefit relief state begin put loan back original status let monthly payments begin lump sum direct result action employees therefore consumer hold liable charge create change date tell stop make payments allow loan modification proceed start new monthly payments result information give directly employees loan current situation',
 u'years ago wife buy house give loan second mortgage interest balloon payment due years attempt modify mortgage longer afford payments submit twice deny twice state make much money apparently policy take payroll deductions anyones income help support original lein holder therefore show excess amount cash hand month final attempt something mortgage wife aunt offer pay leave loan closure settlement deny advice stop pay take hit wife credit maybe month investor will something past months give viable option modify settle loan therefore force stop payment without term negotiations never miss payment late payment credit score yet accord policies n qualify account perfect stand yet every time google name find nothing lawsuits settlements government say give homeowners options relief relief',
 u'promotional value interest months sear credit card original balance little less date pay towards balance make purchase make payments suppose go original promotional balance call company direct tell payments go full balance instead promotional value need call set separate payment go towards set autopay go towards promotional value instead use towards whole balance instead',
 u'call place business notify mail contact phone ever',
 u'keep call upset payment car loan send statements pay lawyer tell suppose charge late fee send statements pay sick able work yet right like everyone else respect people must go church learn treat people please help block cell phone disconnect phone idiots lawyer say contact send right stuff pay payment erase days late work think since years age would compassion understand help lawyer say keep sign court order make say car pay full quit upset make sick bill medical expense come due cut something still far behind hopefully get catch',
 u'purchase home base monthly income per month express prayer jehovah god amighty children would end homeless always place call home force early retirement order maintain health sanity attempt get fha home loan modify countrywide sell loan promise modification give payments per month tax insurance include monthly payment modification go approximately tax insurance include surely someone must get good laugh sell home midst attempt get permanent home loan modification ask members regular friday night bible study pray get permanent modification could lose home brother attend bible study ask bring paperwork concern home follow week brother say sister promise lose home explain partner one call home flip say partner would buy home sell back price could afford ask give paper concern home purchase home evict daughter temporary mail address tx',
 u'attempt foreclose property tila agreement never present hud settlement form request title company send document sign close tila agreement furthermore entity note deed trust assign wholesale lender corporation exist law exist law trustee initiate foreclosure set wholesale lender never respond qualify write request qualify write request wholesale lender send via certify mail return receipt request back never respond mortgage electronic registration systems party list deed trust lender beneficiary wholesale lender corporation exist corporation tax payer therefore would like write appropriate lender stand foreclose otherwise would like take appropriate action rescind mortgage since advise lender owner property loan since truth lend document issue close contact lender tila agreement exist entity would like know true lender note deed trust',
 u'mortgage own service pnc mortgage loan work pnc years get make home affordable loan modification save home forclosure success review information base guidelines qualify pnc give run around give need document close file make start keep blame investor guidelines buy wont allow speak anyone never give clear denial reason please help save home forclosure stress long process lead submit another make home affordable application',
 u'veteran displace purchase lender servicer rcs recognize fully ratify permanent loan modification force acquire although provide request write notarize documentation request lender single point contact spoc modification agreement include principal reduction client complain hip counsel agency counselor originally secure loan modification house counselor bring oversight attention servicer rcs spoc request necessary documentation rectify situation documentation copy notarize agreement provide immediately via overnight mail assure situation would rectify servicer continue solicit full mortgage payment homeowner write verbally issue mortgage delinquency warn despite modification force would acknowledge existence modification despite homeowner repeat efforts communicate serivcer telephone inquiries provide write notarize ratify agreement deliver servicer despite homeowners attempt reinstatement large sum payments request servicer via certify fund payments return homeowner insufficient even though amount request servicer foreclosure proceed continue homeowner apply participate mediation time disqualify favorable hamp modification client reapplied modification deny although homeowner son live property veteran pledge full income monthly payment contribution appeal period seek legal assistance',
 u'mortgage currently service apply modification begin make payments trial period turn least separate financial statements numerous document need notarize different account agents months payments serve foreclosure paperwork tell start modification process would help lower payment apply capitalization arrearrages loan make current soon trial period almost full year later payments tell months behind modification approve unless pay call weekly speak status account repeatedly tell everything fine current payments upon speak agent today ask suppose tell modification would complete investors would approve could tell time do everything ask complete every payment ask make trial period turn paperwork',
 u'letter inform issue try make mortgage payments online mortgage pay period last work day month mortgage payments make try make online payment website www com receive message system try later system would allow make payment therefore payment make via phone credit report since pull notify report two delinquent payments make aware issue mortgage contact speak representative name explain entire situation inform need write letter explain situation issue resolve inform since mortgage take loan mortgage could send delinquent report credit bureau days addition call speak state loan transfer day season report take great pride credit score information report credit report serious home years never problem loan sell mortgage mortgage sell several time however mortgage worst send letter mortgage delinquencies remove would remove imperative mortgage remove delinquent payments credit report agencies soon possible',
 u'husband finance honda accord able payoff loan early loan pay full since pay fee title receive letter release title notice title still lien holder list speak honda financial several time tell pay lien holder name remove feel already pay title pay second time especially consider make mistake lien holder still title',
 u'wife go months application hamp modification sometimes n work winter months get behind months mortgage payments approve modification time keep send statements payment assess late fee make bad report credit bureaus speak representative week tell would able make payment may late remind speak end tell expect paycheck around n get call let know soon arrive go send past due amount finally get check get cashier check send call next day let know check mail sign send acceptance form hamp modification week later receive letter say disqualify approve loan modification letter say reason revocation mortgage longer delinquent time tell pay past due amount would get eliminate program keep well inform try come fund know would keep money put toward new furnace obank break last need replace try keep warm winter wood stave basement sometimes degrees get morning also need roof replace say take responsibility trick disqualify claim modification figure include delinquency change figure nullify deal fiscally responsible thing pay could punish mistake make',
 u'ally financial charge late fee late amount contact ally via web site state response time complaints comment twice without response n realize short payment soon receive note ally schedule payment get charge late fee today receive another note ally say charge another plus crazy additionally months ago call ally request audit loan felt ally credit payments correctly agent tell ally absolutely refuse advise ally executive service handle customer complaints please investigate lender terrible',
 u'line credit include bankruptcy charge try sell house give run around release deed trust county record obstruct sale property',
 u'decide charge home mortgage property tax escrow mortgage boa never inform charge mortgage receive property tax bill nj late n understand get tax bill tax escrow contact go person boa able connect continue search someone explain tax pay finally get someone tell charge help come boa file complaint regulatorydept mortgage issue file complaint take payments pay full amount notify house sell tax sale boa cause debt never notify longer pay tax hold liable debt boa put customers untenable position financially really go loose house boa disgrace',
 u'trouble payments handle letter send company describe happen loan service ceo legal department ceo legal department department loan may concern write concern seem lose transition sure hold loan company receive two letter enclose state loan would transfer make loan payment require call ask could make electronic payment address list letter new loan number receive documentation representative state could make payment yet file transfer would call still receive document representative state could take payment file would transfer office call back call ask could make payment state loan transfer call representative state calculate interest wrong loan require calculate loan payment could make complete call ask status loan specifically ask charge late fee interest accrue time period since problem company nothing do tell information would send late fee interest accrue time period still calculate past interest calculate correctly receive call state loan default send collection agency state company send letter never receive send another one enclose tell phone conversations state would look problem get back speak call find go loan send collections give representative name n even ask spell last name state record loan every transfer call assure loan transfer could longer assist speak call back ask copy promissory note representative say could wait hold could leave message need call back time receive information hear back know hold say receive time would one month payment behind seem quick send someone collections make previous payments especially since tell could make payment calculate interest correct would take payment either',
 u'temporarily postpone payments attend take private loan since repay time six month forbearance life loan use lay last collect unemployment insurance run end call acs education make payments request sort hardship forbearance speak call take place around central time make request put hold come back tell grant two month hardship forbearance tell need pay loan months explicitly ask confirm tell pay loan months call record able retrieve send forbearance request form sign sign email back begin receive call acs collection department tell apply forbearance explain still approval department point tell make payment late log account see past due balance call inquire find forbearance request deny explain situation representative say would research weeks time receive call collection agency extremely nasty time research situation acs report nasty collection agency demand make payment research contact call back find send case back acs contact days later tell go back lender deny forbearance request speak manager tell acs give misinformation want credit total past due pay say look call back yesterday deny request separate call admit fault acs represntative call central time urge pull call investigation basically tell fault pay past due offer payment plan anything simply tell need make payment end month report credit bureaus beyond unacceptable tell pay loan months representative acs admit fault yet refuse work must make reparations pay past due balance total',
 u'charge volkswagen credit wear tear upon return lease vehicle bill come almost months drop car dispute charge pay bill card support documentation submit behalf wait evidence reply vw support claim damage reply almost months issue credit minus return fee pay vw weeks ago vw send another bill call threaten charge would go collection agency pay addition year ago maual transmission car question fail highway vw claim abuse charge car barely years old accord women issue aware know drive stick responsible offer unsolicited information despite fact previous car vw well step dispute charge issue refund questionable practice decide return car month early pay last month payment early clean car return park space work home rarely park street',
 u'may concern live home pay mortgage time husband lay start fall behind payments time call home loan get loan modification deny still try make payment still enough tire get loan modifation take dollars year next year go back dollars call ask say interest rate change try pay amount still hard ask produce wet ink note loan refuse try forclouse home try apply another loan modication instead try help try set sale date know law set sale date middle another loan modification please help try hard work thank',
 u'statement predatory lend husband save foreclosure ca fraudulent loan modification firm sign contract ca pay borrow family fund find months later submit docs lead bofa default foreclosure notice press take bofa loan modification sign notarize return bofa forfeit loan even though explain law firm could sustain mortgage payment advise take modification try pay months go bofa ask structure loan struggle months ask bofa loan structure send form fill thus send finally doctor letter veteran husband ill could pay anymore could borrow anymore bofa modification promise structure continue husband die bury honor cemetery ca deed trust name familiar handle widow ask help referral dear friend para legal years fill paperwork complaint washington doj receive look refinance countrywide mers take say good case also want talk letter administration get probate hear judge say inter spousal deed trust name loan husband name get probate attorney send letter bofa state since legal title property need probate husband estate response put attorney authorize loan representative send respond since situation change close loan modification process modification loan register hud office send package review file assign rep say review take days qualify modifications pain suffer wonder new ideas come would welcome advice research lawyers turn pro bono attorneys local attorneys experience predatory mortgage lend',
 u'ongoing problem statements reflect truth accord payments make escrow account disclosure statement reflect new payment amount effective attempt pay new premium online new rate low behold still reflect past due amount could adjust rate new payment force pay payment clear account accord mortgage statements continuation ongoing situation state behind payment statement n transaction history include payments account never date accord statements make payments regularly time time make payments payments make payments make total want payments inquire statement n receive get really agitate n see money change mortgage statement account balance already receive statement want compare statements receive statement payment behind month request send money originally set agreement mortgage mortgage pay higher amount reflect change mortgage statement balance due continue incur late fee statements always behind conversation new account manager think would get remedy payment previously make apply say outstanding balance vague conversation reason nothing put write account managers state still behind payment could never state miss payment even ask pay much money whatever owe satisfy ask escrow also impression pay insurance explain pay separate another conversation discuss account check account speak realize withdraw check account ask say must misunderstand previous conversation ask think question last month still say behind say even apply would think would okay amount say suspense amount would n make payment begin year positive escrow come account go escrow balance mortgage statement statement date receive mail amount due statement another late payment even though make payment statement date money put principle interest account statement amount due still behind payment refund pay use balance suspense account say available statement n show check acct',
 u'nfcu credit card put account collections days past due go conversations nfcu collections department want make payments unemployed day past due call make payment inform account give law firm ask would give account away reply n seem like go pay since nfcu tap conversations inform destroy tap call law office number provide inform account never give collections days immediately make payment law firm process make payment find nfcu n even give law office correct address nfcu give address law office n live years nfcu send bill statements collection letter advertisement correct address every week call nfcu make payment n know would end receive notice deliberate action take nfcu law firm please respond right seem like correctly handle also credit rat go even lower necessary attach letter nfcu year show account number correct address prove address years',
 u'consistently apply payment significantly receive result higher disclose interest charge',
 u'regulatorydept resolve issue credit card apologize refund late fee however sear still report issue late payment credit report please ask remove late payment credit report',
 u'receive regard check send repayment violate scra credit card account deploy upon receive check last verify boa check legitimate ask say repay interest credit card account pay due error receive different amount speak representative morning claim amount real amount overpayment difference check something akin restitution say difference nontaxable portion record taxable accord amount credit card interest pay deploy fraudulent however already pay tax amount include primary income file tax offer help',
 u'financial service claim simultaneously loan despite never do business notify say loan write say loan irs continue insert legal case company regard foreclosure claim legal deposition current holder unsigned original legally execute note claim holder note owner property however appear discharge note accord irs note discharge previously indymac mortgage service aware evidence show legal deposition appear apply court order use occupancy payment make loan number pretend receive notification loan transfer time could happen since claim involvement long foreclosure already take place property accord testimony deposition become holder note loan purchase assets indymac mortgage service entity rather claim happen result give original copy legally execute note hold vault time foreclosure facts dispute court law moment case pending appeal file tax claim discharge note previously discharge guilty tax fraud irs claim loan attach property commit fraud claim loan never notify fact require federal law dispute claim assign payment loan n exist commit fraud since simultaneously claim discharge debt last year check make financial parent subsidiary relate company constitute check fraud violate court order use occupancy entitle since part legal action clearly conspire cost money finally previously notify tax fraud register letter already aware aware behavior inappropriate likely illegal',
 u'loan servicer make repeat mistake mortgage loan refuse correct investigate issue notice default amount yet due eventually stop accept payments sue foreclosure servicer continue charge late fee acceleration foreclosure lawsuit servicer lawyer permit communicate sole point contact servicer make request information payoff request refuse respond request information payoff request deny opportunity save home avoid foreclosure make home affordable program servicer lawyer force accept nonhamp nonaffordable loan modification base income ability pay balance agree include fee charge try dispute face possible foreclosure judgment loss home force sign loan modification agreement whose payment term understand able compute mathematically whose balance include fee charge allow dispute explain servicer servicer subject exist settlement agreement state attorney general loan eligible coverage order servicer lawyer force either accept loan modification base income ability pay face possible foreclosure judgment loss home',
 u'work short sale loan loan florida approval letter expire ask extension credit toward close cost provide roof life leave plumb need do tell would business days today business days contact lady name ask change hud say approval friday call day friday call tell ex manager would contact est ofcobank e happen call back tell manager file extension decline resubmitting close short sale date many file know advise record line go pull game work homeowners best interest economy ready will able buyer purchase run property make habitable bank will proceed offer property net loan amount would say number work',
 u'trouble payments handle close due fraud letter send president xxxxpresident chief executive officeramerican education servicesxxxx xxxxi write heavy heart extremely dishearten dissatisfy level insensitivity lack understand communications receive education service aes representatives regard account request immediate release financial responsibility mention account regard payment educational discipline program evidence accredit educational establishment however take loan tell struggle loan begin speak numerous representatives years concern hardships financial divorce however receive temporary relief larger outstanding balance additional information attach documentation attorney general office confirm fraud air order state pay civil penalties attorney general office issue unauthorized high school diplomas program further order make partial refund parent never receive refund stop issue diplomas stop market accredit school apply permission issue diplomas state department education deny permission department rejection letter state determine primarily behavior modification facility board school lawsuit issue fake diplomas also file judge uphold validity incidents lead enrollment drop approximately students less ultimately lead close think unjust education service notify allegations continue accept payments ask compassion thereby eliminate outstanding debt well send communications credit bureaus remove item well thank kindly consideration time immediate attention matter',
 u'recontrust dual track improper transaction trustee approval na errors mistakesnever send notice regard foreclosure post informationsome unknown fraudulent person contact recontrust state tenantstenant fraudulent personbeing identify utilities company etc leave accord recordsrecontrust never contact owner confirm information include confirm debtbank confirm tenant refuse relocation fee want remain tenant recontrust receive months rent unknown fraudulent personi tenantsi remain residenti deficiency forward recontrust appear use purchase home confirm property sell auction take place person bidderi receive letter foreclosure review committee respondedforeclosure review committee letter freeze action modification complete approval deny letter never receive work later escalation member errors email management state property foreclosedxxxx assure property would sell record line way conference complete recession record availablenod start days answer receive workout program approve nod file prior foreclosure review committee letterthe file xxxxthe declaration letter date incorrect false try due diligence reach number remain file addressletter date still review complete request modificationbank confirm name spell different ways system part challenge modification document upload system properly prior foreclosurei research county recorders agencies locate documentssecretary state notary confirm notary information properly follow people properly identifiedi aware foreclosure take place time still work modificationi inform foreclosure build management company emailproperty resold less three month gain dollarsi request many document recontrust none receive date',
 u'auto finance company hire third party company come repose vehicle pay total back payments tow fess plus months advance upcoming months go retrieve vehicle physical mechanical damage drivable contact finance company regard issue unsupportive concern response poor customer service state representative surrender right vehicle due breach contract would like refund tow fee alone two months advance payments plus remainder loan debt clear name vehicle longer service due negligent representative rudely deny request state need contact tow company n even provide tow company information bring legal advice help matter thank advance time service',
 u'credit card balance interest due late payment avoid happen set amount come account use amount direct staff member amount go due interest month note charge late fee turn minimum balance month call explain situation tell nothing could take charge miss robbery allow miss explain time representative would adjust statementa late fee miss payment make payment contact company make feel like terrible person try keep calm become angryall ask late fee adjust good customer cancel accountthank',
 u'apply modification service llc one rental properties paperwork submit clearly tell property rental property occupy home advise approve modification require make reduce payments periods paperwork send state make payments time loan would modify make prior due date time send certify mail third payment contact state continue make reduce payments expect paperwork adjust final document send receive another modification letter say need make payment also state error certify owner occupy property immediately contact regard owner occupy error payment error say sign paperwork send paperwork would correct also tell continue make payments send paperwork certify mail continue make payments via certify mail month payments send due date follow month receive letter form state return payment satisfy reinstatement amount send next payment cross letter mail cash send another payment return contact receive letter tell receive paperwork forward copy certify mail receipt state fact receive state lose never receive resign paperwork send resent paperwork via certify mail month send loan statement reflect acceleration debt hear anything loan statements loan statement indicate delinquent loan subject foreclosure within two days receive letter sign form say modification approve approve modification page remove cross owner occupy mark non owner occupy state loan delinquent',
 u'sps wrongfully take home naca inform property sale date sps rep advise information directly naca via phone call sps drop ball advise naca attorney handle foreclosure advise sale date could postpone due time please advise sale date move happen file review sps well mail notifications file review notification sale date able modify sps ability retract sale take place today',
 u'mortgage service citimortgage account number pay full refinance new year fix rate fnma mortgage fund date remain escrow account balance citimortgage citimortgage withdraw escrow account contact via email website tell via email deduction wire payoff fee note sign federal truth lend disclosure receive date clearly state loan prepayment penalty view theft escrow account de facto prepayment penalty despite small amount want investigate want money refund citimortgage refuse despite repeat contact since date additionally citimortgage hold onto escrow balance instead refund promptly state intend issue check would days loan pay want full escrow account refund include deduct payoff penalty immediately long enough wait long enough thank',
 u'issue debt forgiveness letter effective however refuse show zero balance unable achieve cooperation claim process well letter say nothing process',
 u'part receive payment last month tell foreclosure would credit report learn dispute credit monitor servicers tell company involve independent foreclosure review still would remove respond state accurate involve member unite state check stub state amount reason check issue documentation give base settlement agreement federal government',
 u'file complaint ally regard car loan earlier today however finally able speak agent learn many issue four years ally credit payment credit payment next current car payment credit fund amount may arrears next payment come continue credit entire amount next payment regardless late fee shortage previous current month account keep customers account constant shortage incbank additional late charge set customer report credit bureau happen since become ally customer years ago complain several time ally deny anything wrong today tell ally credit payments explain ally overcharge last years per form account perfectly acceptable way credit union suppose credit payments several account file complaints none lender underhanded account make payment per month instead ally credit payments current month arearage credit payments potentially future payments leave multiple late fee make payment expect money credit owe late fee current monthly payment additional principle expect every month',
 u'apply citizens credit card online publicly advertisement get cash back first spend unlimited cash back grocery drug store purchase first days receive actual card mail reward structure different reward structure purchase sorely disappoint sign receive different products seem bait switch sign credit card screen shoot offer lead believe receive sign credit card alway take screen capture advertisement sometimes skeptical want proof sign',
 u'mortgage currently service apply modification begin make payments trial period turn least separate financial statements numerous document need notarize different account agents months payments serve foreclosure paperwork tell start modification process would help lower payment apply capitalization arrearrages loan make current soon trial period almost full year later payments tell months behind modification approve unless pay call weekly speak status account repeatedly tell everything fine current payments upon speak agent today ask suppose tell modification would complete investors would approve could tell time do everything ask complete every payment ask make trial period turn paperwork',
 u'credit card balance interest due late payment avoid happen set amount come account use amount direct staff member amount go due interest month note charge late fee turn minimum balance month call explain situation tell nothing could take charge miss robbery allow miss explain time representative would adjust statementa late fee miss payment make payment contact company make feel like terrible person try keep calm become angryall ask late fee adjust good customer cancel accountthank',
 u'log macy account pay balance full make purchase n reflect loan balance time pay call creditor ask n receive statement courtesy call would remove day late account process buy new home tell statements go email account n years ask process statement reject address tell nothing believe need update system show outstanding balance better process notify card holders return electronic statements disappoint news mortgage rate go since cancel credit card macy',
 u'dispute three credit rat agencies charge write post credit report provide proof payment bring account current well pay double amount minimum payments month payments make directly others direct withdrawal via agent tell agent long keep account current pay amount agree upon would take action understand use card bill pay full time could use card time able make payments directly website well automatic withdrawals documentation paper show payment amount bring account current invoice show bill amount owe amount pay express account charge write status account still accessible pay americanexpress com addition pay post website make agree upon payments months declare account charge',
 u'respond pre select application credit card receive letter date inform application could approve cancel previous account letter indicate welcome submit another application later date cancel account reference since time pay credit obligations time fico credit score respond letter date request copy company credit card policy pertain period time account cancel new application may favorably consider reply form letter date fail address request company credit review policy letter simply state reason application decline respond letter date specifically request copy credit review policy pertain period time account cancel new application may favorably consider want ascertain credit decision application make conformance establish credit review policy arbitrary capricious decision base age race discrimination last letter date fail address request copy company credit review policy pertain period time account cancel new application may favorably consider accept decision decline application credit review policy indicate period time account cancel eleven years since account cancel ten years ten months ago credit review process applicants regardless age race religion without provide copy credit review policy impossible ascertain policy uniformly equitably apply every letter indicate new application could submit later date without indicate period time new application could submit receive favorable consideration company may use method surreptitious discrimination',
 u'contract help negotiate settlements credit card debts go fine third represent fiasco write settlement agreement make settle payments month period place money escrow financial guarantee payments agree payments make schedule refuse last payment back deal bill full original amount never receive credit accept copy original agreement copy cash payment check idea go original debt amount put collection pass agency another since already pay service email call back forth attempt resolve issue agree answer call respond email attempt find status feel commit fraud leave adverse effect credit report severely restrict employment possibilities insurance cost',
 u'card connect platinum card year annual fee get bill come year fee call ask card change card fee do tell would charge year would credit back account pay get next bill annual fee charge prorate charge month higher fee call correct customer service person extremely unhelpful patronize ask speak supervisor considerable resistance get someone else also patronize keep repeat must understand understand extremely well refuse acknowledge issue tell previous call ask speak supervisor resistance tell someone would call within hobank receive call go call back hope able reach someone helpful amount money find lack accountability difficulty get acceptable customer service remedy extremely trouble',
 u'keep report charge mine credit bureaus credit bureaus respond dispute item verify conacted directly ask provide proof charge account indeed mine fail respond proof validity debt andare compliance fair credit report laws resolve issue mistake affect credit score almost years stop get car loan mortgage payments would high',
 u'regulatorydept resolve issue credit card apologize refund late fee however sear still report issue late payment credit report please ask remove late payment credit report',
 u'pay entire balance visa credit card continue charge fee balance account realize try cancel account easily identifiable way cancel account list website take longer shut credit card account open',
 u'promotional value interest months sear credit card original balance little less date pay towards balance make purchase make payments suppose go original promotional balance call company direct tell payments go full balance instead promotional value need call set separate payment go towards set autopay go towards promotional value instead use towards whole balance instead',
 u'receive regard check send repayment violate scra credit card account deploy upon receive check last verify boa check legitimate ask say repay interest credit card account pay due error receive different amount speak representative morning claim amount real amount overpayment difference check something akin restitution say difference nontaxable portion record taxable accord amount credit card interest pay deploy fraudulent however already pay tax amount include primary income file tax offer help',
 u'open secure credit card account capital one pull check account use automatic clearinghouse open close account numerous time consider fraudulent activity along representative irs numerous time fax validate information need would reopen account let use another three months close continually pay bill cost six months close account permanently even though overpay account additional owe supervisors tell would money back apologize inconvenience cause yet see anything call follow say would wait go take board supervisors get back check account ironically capital one use ing direct capital one purchase guess roll eventually sad day able conduct even business level also able obtain affidavits well',
 u'receive preapproved credit card application mail card currently attempt rebuild credit time fill application await response card receive denial letter mail today discover card cite collection charge judgment reason denial',
 u'call place business notify mail contact phone ever',
 u'apply citizens credit card online publicly advertisement get cash back first spend unlimited cash back grocery drug store purchase first days receive actual card mail reward structure different reward structure purchase sorely disappoint sign receive different products seem bait switch sign credit card screen shoot offer lead believe receive sign credit card alway take screen capture advertisement sometimes skeptical want proof sign',
 u'appiled loan modification years ago old mortgage company need help make clear even help party loan modification company go every hoop imaginable lender final stage approval process send letter state loan sell another company reapply time loan modification new lender discourage say least apply deal even hoop get loan modification approve another year send document deal countless customer service reps conselors last stage approval send another letter state owner loan fullfilled quota loan modifications deny felt like get royaliy screw nothing could could n beleive happen',
 u'get flexible payment options suffer financial hardships submit complain anything else circumstances able make payments student loan majority expense choice file chxxxx bankruptcy could afford basic necessities student loan deferment lease short years owe estimate student loan debts cornerstone loan service student loan balance never decrease balance increase high balance high variable interest rat penalties private student loan carriers offer reasonable repayment options could realistically pay debt manage expense accord debt income ratio complain understand undergraduate student major psychology prey upon loan dollars student loan constantly harass phone call letter email etc behaviors would cause money miraculously appear spend many nights restless try figure happen sometimes hope finally fall asleep either never wake children friends ashamed debts prey upon predatory lend practice company target veraciously email flyers letter mail ask take loan loan company ask produce current future earn potential etc indicate whether could actually repay loan back vulnerable prey upon scammed future life ruin corporations chance begin almost old future base debt income ratio education skills earn potential life expectancy simply pay loan back future',
 u'try complete loan modification since submit require documentation sps financial see result currently work realtor help complete loan medication overwhelm complete point lender continue request new information scar lose home foreclosure',
 u'call chrysler capital time past months say lease payment late look file realize call error automatic payment set never pay late representative talk say fix system stop call harass worry account problems go impact credit history',
 u'buy house loan pay xxxxa month loan go interest years half years later submit loan modification loan amount stay tax include insurance pay separate call b ask help modification know rate go social security tell yes help fill modification form receive modification loan sell sls mortgage help like mention continue send payments time every month ask respectful interest payment mortgage sls tell go send letter within days information much payment along interest never receive letter approx receive letter letter new payment start amount month complaint know go help complicate make payment bottom line mention go help decide sell sls submit package modification mortgage sls deny income say better sell house help submit new form modification little income include sure deny accept help lower mortgage n accept would leave house fault tell help without know go go become permanent social security wife retire thing want find contract',
 u'apply online thank prefer card approve particular card give bonus point spend months use account keep track transactions make roughly purchase within two months notice bonus point issue account reward card usually bonus point reward soon threshold spend level reach thank prefer card contact customer service department get explanation wait two days e mail response inform enrol bonus point program contract give month apr introductory offer instead thank prefer card accord website month introductory apr plus bonus point program month offer even standard issue particular card needle say inform change feel use bait switch technique get people sign card seem like form fraud incidentally say could contest send print material confirm bonus point offer offer apply online website also mention various websites help consumers compare credit card help decide card best feel people make aware fraudulent practice regard reward program',
 u'problems customer service own debt never receive notice anyone say ownership change try contact never return call suppose horrible servicer constantly give misinformation make payment claim regular weekday office close system allow make payment day also make payments make weekend claim ca n credit report make payment post close friday day report credit even though payment supervisor advise payment make update payment post payment make saturday claim ca n make payment weekend numerous time also make payment therefore credit report need remove illegal due fcra claim system credit report take legal action illegal fcra need set standard credit report tell base payment make since remove credit report remove since see payment make like advise make payment payment post fault also make payment saturday supervisor remove state go date payment make clearly know talk clearly need look calendar remove credit report issue will remove could lose job take legal action due debt negative credit report remove already speak fcra attorney advise legally remove credit report payment make acknowledge every time ask company information unwilling give law since company receive money every month also make difficult make complaints take responsibility anything reason credit report remove complain want negative report remove get private loan another provider ca n unless credit report remove private lenders credit base would need good credit score get favorable rate able get private loan another provider able get money ca n continue deal situation ca n afford lose job',
 u'complaint similar issue incident result begin procedures close boa account credit card great difficulty order product line use boa credit card several fail attempt pay card call boa tell fraud detection capabilities flag card would need validate attempt purchase allow go shock since actually use boas shopsafe capability clearly indicate even primitive software could fraudulent activity also disturb attempt authorize payment would receive alert mobile device indicate successful payment work customer service able authorize purchase actually able see purchase pending transaction boa website unfortunately nearly pending status never change shipment notification merchant actually call merchant inquire ship item inform try finalize authorization boa fail time set conference call boa merchant try repeatedly remove totally erroneous fraud detection block avail attempt pending status earlier attempt disappear end need hang boa associate complete purchase card associate phone indicate buy juice morning attempt make web purchase company minnesota afternoon likely cause fraud alert lock card upset aspects boas credit card software disjoint primitive functional variables circumstances pristine even slightest digression normal credit card event like resident buy juice morning use internet order item state cause systems fail none none credit card ever cancel without notice previous complaint cfpb block card thoroughly even issue agency could unlock indicate boa choose allow client experience suffer immeasurably rather absorb unfortunate normal losses credit card fraud customer inconvenience think overseas vacation emergency situation dependent boa credit card situation must mitigate immediately end relationship boa',
 u'close credit card account accept post charge close statement attach call speak identify supervisor dispute department inform account close also inform company authorize post charge account refuse accept dispute charge advise continue post charge close account advise responsibility work vendor charge stop repeat statement account close inform company authorize bill close account refuse accept dispute repeat continue refuse honor close account continue accept charge post close account spite advise charge authorize',
 u'make purchase company complete foreign transaction seller charge foreign transaction fee last credit card statement charge foreign transaction fee fee fraudulent credit card company process foreign transaction therefore charge foreign transaction fee excuse write description',
 u'order obtain secure credit help bring credit score first minimum payment due pay towards balance standard process post time payment two business days go use card grocery store today decline call bofa tell available credit rep inform payment receive post answer speak supervisor also concrete answer payment post concern follow part pay bill time able use card highly embarrass inconvenient tell card decline actuality n account pay ample fund transaction go without issue whatsoever fund type hold account b draw interest biggest concern initially request card effort bolster credit score balance least total balance end report period credit negatively affect many othe consumers deal encounter emergency unable utilize card beg assist resolve issue point know else turn thank',
 u'home equity go repayment stop branch ask question loan would remain fix rate sales pitch begin agree loan larger dollar fill app supply info ask receive call say approve days later decide new loan would best interest call branch leave message lender longer interest let account go repay receive message follow sure likely attempt change mind today receive denial letter say regret carefully consider application unable approve reason credit application incomplete failure supply request additional information untrue deny complaint impact concern denial may impact credit report need correct would call want make sure customers receive denial letter n deny credit report impact',
 u'agree fee charge co sign wife private student loan since employ come home source income va wife leave get return make monthly payments student loan company years never miss payment ex refuse take responsibility make every payment also plead private lender release cosigner refuse even send copy va award letter state veteran need income survive plead congressman senator write bill give cosigner relief veterans lenders since veteran service members civil relief act extend past service inform since veteran least give apr service members civil relief act request deny believe might illegal',
 u'send letter say loan government help pay bill bill credit card save talk years old car assetsand cable good cridet job ssi check permonth severe health problems go type daughter intial name signature life insurance amount insurance company sick mental body try make pay loan write check tell go cash bring money send collection letter say owe rob get money asets money predatory loan thy seek tring robb harass year',
 u'agree fee charge co sign wife private student loan since employ student come home totally permanently source income va compensation wife leave get divorce year return make monthly payments student loan company years never miss payment ex refuse take responsibility make every payment also plead private lender release cosigner refuse even send copy va award letter state totally permanently veteran need income survive plead congressman senator write bill give cosigner relief totally permanently veterans lenders since veteran service members civil relief act extend past service inform since veteran least give apr service members civil relief act request deny believe might illegal',
 u'send qualify write request qwr debt dispute letter service date certify mail respond date part proposal court settlement debt dispute also send complete request mortgage assistance rma form require support documentation acknowledge receive confirm receipt copy tax return part requirements complete review pending loan modification state letter date tax return without signature evidence electronic file due date say document pass since learn aforementioned requirement letter already days impose deadline pass mediately send certify mail day sign copy tax return however instead receive notice status loan modification application request receive weeks ago copy notice trustee sale date record schedule foreclosure sale property formally decline disapprove pending loan modification application date violation california homeowner bill right hbor cause direct agent proceed foreclosure action property issue say notice trustee sale blatant violation ca law refer dual track ca hbor regard write follow letter see attach also demand cancellation schedule unlawful foreclosure sale property hear back date may therefore request regulatorydept assistance regard time essence',
 u'eleven years ago lose job problem identity theft explain situation mbna ask use insurance pay tell qualify use tell since make minimum payments go apr monthly payments continue increase till monthly payments close account continue try make form payment continue add interest acount close call threaten tell lady money years could continue harass say work whatever want check statute limitations state texas years proceed write debt file irs legal accord fair debt collection act since debt way past statute limitations years',
 u'pay account balance recently choose lower credit line cite recent credit items reason decrease account pay recently anything credit line go due score go higher',
 u'communication kohl request lower apr response could n get one base term term allow lower rate communication try confirm ability offer lower rate tell qualify',
 u'complaint similar issue incident result begin procedures close boa account credit card great difficulty order product line use boa credit card several fail attempt pay card call boa tell fraud detection capabilities flag card would need validate attempt purchase allow go shock since actually use boas shopsafe capability clearly indicate even primitive software could fraudulent activity also disturb attempt authorize payment would receive alert mobile device indicate successful payment work customer service able authorize purchase actually able see purchase pending transaction boa website unfortunately nearly pending status never change shipment notification merchant actually call merchant inquire ship item inform try finalize authorization boa fail time set conference call boa merchant try repeatedly remove totally erroneous fraud detection block avail attempt pending status earlier attempt disappear end need hang boa associate complete purchase card associate phone indicate buy juice morning attempt make web purchase company minnesota afternoon likely cause fraud alert lock card upset aspects boas credit card software disjoint primitive functional variables circumstances pristine even slightest digression normal credit card event like resident buy juice morning use internet order item state cause systems fail none none credit card ever cancel without notice previous complaint cfpb block card thoroughly even issue agency could unlock indicate boa choose allow client experience suffer immeasurably rather absorb unfortunate normal losses credit card fraud customer inconvenience think overseas vacation emergency situation dependent boa credit card situation must mitigate immediately end relationship boa',
 u'eleven years ago lose job problem identity theft explain situation mbna ask use insurance pay tell qualify use tell since make minimum payments go apr monthly payments continue increase till monthly payments close account continue try make form payment continue add interest acount close call threaten tell lady money years could continue harass say work whatever want check statute limitations state texas years proceed write debt file irs legal accord fair debt collection act since debt way past statute limitations years',
 u'order obtain secure credit help bring credit score first minimum payment due pay towards balance standard process post time payment two business days go use card grocery store today decline call bofa tell available credit rep inform payment receive post answer speak supervisor also concrete answer payment post concern follow part pay bill time able use card highly embarrass inconvenient tell card decline actuality n account pay ample fund transaction go without issue whatsoever fund type hold account b draw interest biggest concern initially request card effort bolster credit score balance least total balance end report period credit negatively affect many othe consumers deal encounter emergency unable utilize card beg assist resolve issue point know else turn thank',
 u'apply online thank prefer card approve particular card give bonus point spend months use account keep track transactions make roughly purchase within two months notice bonus point issue account reward card usually bonus point reward soon threshold spend level reach thank prefer card contact customer service department get explanation wait two days e mail response inform enrol bonus point program contract give month apr introductory offer instead thank prefer card accord website month introductory apr plus bonus point program month offer even standard issue particular card needle say inform change feel use bait switch technique get people sign card seem like form fraud incidentally say could contest send print material confirm bonus point offer offer apply online website also mention various websites help consumers compare credit card help decide card best feel people make aware fraudulent practice regard reward program',
 u'amex card seven years always nightmare experience things go wrong customer service refuse admit mistake refuse correct blame computer act like way help computer n allow story start late fee payment due date weekend previously set autopay situations like may available make payment full manually surprise saw late fee immediately pay balance call see could late fee remove late fee assess exist balance explain card years never late rep agree submit request late fee remove system deny unable unwilling tell deny spend hour phone account supervisor account manager rude unhelpful fume go online account set autopay never happen notice already set autopay info accurate autopay turn call back explain would n late fee n turn autopay rep submit request tell request go see amount post account next business days weeks later check balance notice credit call time talk rudest rep keep tell late fee valid charge nothing could sense get nowhere guy tire rude attitude make angry ask speak supervisor min supervisor get phone spend minuted rehash detail problem say could try submit request system remove late fee give guarantee put hold come back min later say system deny request also unable unwilling tell point give tell experience terrible extemely unhappy customer fact claim system ridgid case override parameters utterly unbelievable know refuse worse account history mastercard visa account reimbbank ed late fee call say would never use card suckered use accept americanexpress reason however time shred card amex card go great lengths use amex anymore terrible terrible company',
 u'pay account balance recently choose lower credit line cite recent credit items reason decrease account pay recently anything credit line go due score go higher',
 u'close credit card account accept post charge close statement attach call speak identify supervisor dispute department inform account close also inform company authorize post charge account refuse accept dispute charge advise continue post charge close account advise responsibility work vendor charge stop repeat statement account close inform company authorize bill close account refuse accept dispute repeat continue refuse honor close account continue accept charge post close account spite advise charge authorize',
 u'year fix mortgage since pay mortgage time every moth two years ago mortgage rat drop near apply refinance mortgage say ratio n work steady income albeit great salary could really use break help put away save quite bite save assets friends whose salaries healthy take advantage great rat sit even prettier lower interest rat low mortgage folks really need help flat deny give mortgage unemployed husband leave save barely get food stamp want customer give mortgage never miss payment shame would never recommend anyone go large institution small heart',
 u'mortgage acct sell caliber acct force place insurance account years send proof insurance keep misapply payments towards escrow shortage rather mortgage charge late fee finally speak someone sense mail check theforce place insurance since interim sell th loan caliber sell loan transfer incorrect amount therefore would send payments caliber keep return state payment enough cover debt send reimbbank ement check make caliber still return check state n enough finally think nightmare last year continue ongoing nightmare account keep accumulate late fee payments continue return state enough cover debt hire attorney also get run around contact attorney caliber even get answer caliber caliber state waive previous late fee misapply fund send need correct misapply payments remove late fee update credit bureau report correct balance caliber caliber waive late fee update credit bureau apply escrow credit balance accept payments payments send return amount account want nightmare',
 u'spouse purchase home since inform hud neighborhood target high risk loan refuse deal financier refinance home cash use pay bill seize irs tell agent live threaten spouses students families several school district particularly ones county feel free call interview arm set maximum rate cite allow government take student parent loan garnishments total income approach attempt refinance keep lose paperwork repeatedly tell earn bite much qualify meantime year repeatedly tell document lose hire attorney handle situation fail make payments direction pay fee notify state attorney general office indictment conviction attorney refuse allow payments resume represent director agree help mediation home loan continue stick mediation service contract n send notice mortgage documentation turn loan sps tiny print document notice primary holder loan prior time knowledge nearly three years mediation process enter turn sps tell owe principal due since plus financial fee relate past plus years assume forget subtract principal include principal continue cite due immediately cobank e three years submit innumerable refinance applications copy store large box numerous attach tell sps repeatedly paperwork lose please start sometimes want new copy support document submit date vary mediation meet sps never sound prepare mediation meet sps offer sell home payment interest rate continue high government allow meantime husband declare since recently rack work relate injury carry lbs test kit materials time week public school department assign build another case government agency investigate sure believe public school ask take time job without pay enter therapy hobank sick leave cover time need help service contract companion please contact support information happy work investigation procedures could write book corruption power holders base real events',
 u'order first progress credit submit security take many weeks process card never go credit limit set deposit immediately start charge fee interest money call ask tell policy cancel card continue send bill call send letter try cancel send letter agree would cancel say owe approximately n know since money reluctantly agree say would send final bill call number time continue send bill add interest charge even though account close unresponsive feel company scamming people untrustworthy prey people try reestablish credit',
 u'service make disaster account months apply modification months ago put trial modification plan time since lose payments return payments send letter receive payments receipt unpaid payments really idea ask countless occasion call time since first year person idea last time speak supervisor give reason confusion fact file inch thick assure people always call look finally receive loan modification agreement sign notarize last monday tuesday sign notarize back mail meanwhile receive notice never receive payments receipt supervisor tell look yesterday receive another notice account default go long afraid inability keep even simplest facts straight already shaky credit score suffer help please thank currently unable scan document unable send last notice non payments default letter get',
 u'continue charge late fee even payment receive time confirmations timely payment thru online bill pay reverse charge sure end loan sell',
 u'wife jointly purchase new use cash trade loan finance loan require order receive rebate ask title issue jointly right survivorship e wros appear name title title estate plan tool prescribe ohio website regard vehicle title dealer finance manager refuse say motor finance allow modifications buyers name reply statutory law give entitlement give copy revise code applicable statute check counterparts confirm position finance manager promise check supervisors motor finance next day follow finance manager say check promise reiterate refusal upon contact attorney general complaint department tell jurisdiction refer comptroller currency office turn say jurisdiction since motor finance neither credit union refer federal trade commission refer website',
 u'contact bankofamerica reference mortgage loan delinquent enter short forbearance payment plan start months would catch current status end submit pmts transfer check acct total mortgage dept andstatements show confirmation receive post misc post due date notcorrected last pmt make contact boa due emergency usedlast pmt fund come find loan xferred lender info correct work modification mortgage loan show pmts past due request locate fund pmts even interest escrow acctsare wrong pls help',
 u'buy major flood flood zone ft water home get take boat town say lifetime event due flood insurance require flood zone drain retirement take home equity line get loan fema repair require get flood insurance receive loan next years problems believe indeed freak thing decide expand improve home think go long term residence add master bedroom update kitchen new deck begin work complete get hit another devasting flood weeks later hit major flood due hard ship try remodify loan put trial basis monthly payment lower continuosly pay ontime send paperwork paperwork lose need different case worker decide go sell home short sale origanaly purchase home put new loan take issue flood owe around bank set price short sale price open house offer people decide price get offer find lender mortgage title citizens could resolve issue go back forth court year due short sale resolve resolve almost three years later never miss type mortgage payment decide short sale home tell mortgage could make payments want short sale house felt choice also decide short sale know long process would take also comfortable live home kid worry flood rent another home presence feel time lose due fault prevent purchase another home contact mortgage numerous time ask remove short sale credit report without response never miss type payment except would take credit prefect except short sale find rental house community commute daughter school truly hope help situation g',
 u'get loan make payments total still owe total total calculate mean loan interest rate unable find original document attempt contact company believe loan violate truth lend act specifically u code u code borrow pay owe',
 u'several months paperwork close home wholesale corporation ask sign hundreds paper little time review moment pressure get close do provide value home mortgage plus mip per month interest rate end fifth year payments blow plus mip per month mortgage grow process sell mortgage several bank include countrywide home loan increase mortgage payment come request refinance response every time pay time ca n help keep call representative state reason unable help current payments need default able help base instructions default days later apply home affordable refinance act time even thou fulfil criteria boa refuse refinance proceed foreclosure since find whole situation build hire attorney compliance stress test mortgage certify reputable loan analyst respa tila result state mortgage generator successors violate many respa tila federal state statutes file counter claim court state mortgage note unforceable due direct violations tila also hoepa fail deliver notice acceleration homeowners violate federal debt collection practice act also breach mortgage agreement force place insurance amount excess require mortgage mortgage also understate finance charge annual percentage rate violate truth lend disclosure statement time close top request home equity line credit provide even though home n enough equity throwout life heloc pay full several time keep lend money even equity support loan also know predatory lend practice even try foreclose primary residency put family street make arrangement pay heloc satisfy mortgage',
 u'missaplied mortgage payments payment due date report months arrears purchase loan months ago clear check record timely payments make entry errors loan accuse behind report credit agencies',
 u'keep get call loan call tell rep work advise urgent matter concern ask team lead give minutes urgent phone call verify information inform past due loan days payment pending system always make payment system tell rep payment already make look payment screen ask make payment incident happen payment make yet post days late start new job paydays different previous employer never days late matter urgent matter payment already felt like waste time co signer upset state one tell payment pending system seem want mislead employ scare tactics payment make money come account show pending check acct tell rep look system make payment also hear call mom record one tell payment pending system ask make payment upset imply need make payment already one make yet post nowhere call information give actually look online online page payment post day say would also speak consumer right attorney advise make sure look see payment schedule online ask someone make another payment rep misrepresent call say urgent matter important issue payment make days past due nowhere near day mark sure discuss anything credit report payment sound stupid say thing supervisor state call payment late job make sure actually look see payment make stay anything stupid like ask make another payment also advise attorney tell people urgent matter case nothing past due bill emergency utterly deceptive first time happen would prefer get manual call computer call cell phone tell endure stupid call rep ask another phone call number use say tell would endure useless call especially since payment already make post pending system wish people would take time look online screen waste time work stop deal matter',
 u'transaction ebay com paypal checkout process deceptive sign paypal credit card deceptive manner checkout process website automatically default payment option paypal credit make buyer assume credit sit paypal account choose method bring screen ask confirm information still nothing really indicate sign credit card feel website point make security reason confirm information update information bring congratulations screen indicate approve credit try use exist balance within paypal give nature paypal business customers would assume paypal credit clients know paypal enter consumer lend industry traditionally electronic payment vendor customer base include still see paypal abuse relationship take advantage customer deceptive practice people know sign credit card clear verbiage would choose please investigate put stop deceptive practice paypal implement',
 u'great sadness submit complaint toward sls fall behind mortgage payments due change income husband veteran complete years service due significant change income months unemployed receving husband currently employ apply receive veterans make several attempt get modification hit brick wall brick wall first say n document fax receive denial fax appeal letter intent mind first denial take weeks weeks send next fax tell take hobank document upload however time call tell deny options receive day deny options next think crazy tell send another appeal review document tell see increase review hear call tell deny exceed amount modification base guidelines send letter state penalize previous modification part week call speak another rep never ever talk whomever assign person never available message leave call never return rep speak week say denial letter send receive state reason denial options available short sale hafa foreclosure wits end whole ordeal afraid affect husband stress possibility lose home pray resolution issue',
 u'speak gatewayone lend remove recur payment loan since setup billpay gatewayone lend assure several time phone automatic payment check mention website say word recur person phone say even check account information file notice check account lower usual dig find gatewayone steal amount equal auto loan payment check account call gatewayone lend ask recur payment tell see system call system note want cancel recur payment note say recur payment setup inform agent phone would like know check account show take money put hold come back say sorry would like proof take money tell want money back account time frame take steal payment due money account days tell possible require provide copy statement prove steal even though person phone admit see amount post loan inform representive record automatic message say may record turn fair play fine record contact put stop payment fraud do gatewayone lend',
 u'request copy check wrot second mortgage line equity almost months ago get nothing runaround speak different individuals would say look call back never leave message evai beg least return call regardless whether information phone call nobody pnc far sure quick call monthly payment day late want something thank',
 u'opt balance transfer citizens last year promotion defray high interest credit card balance carry another creditor intend pay balance citizens unsure promotion end place call customer service line tell promotion end surprise yesterday friday receive statement charge make call toll free line customer service representative speak say promo expire new one apply felt take ride rip guy belligerent would listen point someone tell promotion good rather continue say letter effect promo end gross misrepresentation deceit fraud highest order company face music',
 u'years force work see potential problem horizon contact lender get harp program fill require document meet requirements harp speak rep work harp hamp ask problems make mortgage payments reply things tight want refinance mortgage equity loan unknowingly put hamp program tell make reduce payments trial period know better five months later get package mail state accept program mortgage payment would lower original monthly payment loan would extend years would make payments years old pay trial period would swallow next property tax insurance increase opt program time notify hamp harp make reduce payments history late payments longer eligible harp',
 u'provide oral instructions telephone recast mortgage follow procedure submit letter intent along payment approximately apply principal complete recast process lower principal balance calculate new payment check apply principal upon receipt never hear repeat phone call one month period finally reach someone phone tell deny recast nothing do payment apply loan payment remain letter denial recast letter apology shabby treatment ever send',
 u'send promotional offer open credit card apply pay annual fee spend first months promotion say would receive point activity never receive point call complain say receive bonus point past therefore ineligible also open reward card via mailer promtion state would receive reward point spend first months thing happen say record promtion profile ineligible also receive multi page page mailers least month state change policies hardly keep change call complain say need read credit card agreement needle say quite upset company plan close ever account feel company mis lead public business practice review',
 u'opt balance transfer citizens last year promotion defray high interest credit card balance carry another creditor intend pay balance citizens unsure promotion end place call customer service line tell promotion end surprise yesterday friday receive statement charge make call toll free line customer service representative speak say promo expire new one apply felt take ride rip guy belligerent would listen point someone tell promotion good rather continue say letter effect promo end gross misrepresentation deceit fraud highest order company face music',
 u'order first progress credit submit security take many weeks process card never go credit limit set deposit immediately start charge fee interest money call ask tell policy cancel card continue send bill call send letter try cancel send letter agree would cancel say owe approximately n know since money reluctantly agree say would send final bill call number time continue send bill add interest charge even though account close unresponsive feel company scamming people untrustworthy prey people try reestablish credit',
 u'open account credit limit information credit limit get cash advance credit limit reduce balance credit card account personal bank account debit check write debit account zero balance use card since zero balance receive bill statement renewal notice would charge annual membership fee statement urge avoid pay annual membership fee close account basically complaints number charge annual fee zero balance excellent credit rat card holders charge annual membership fee want close account close account could affect credit rat rate prefer close account',
 u'transaction ebay com paypal checkout process deceptive sign paypal credit card deceptive manner checkout process website automatically default payment option paypal credit make buyer assume credit sit paypal account choose method bring screen ask confirm information still nothing really indicate sign credit card feel website point make security reason confirm information update information bring congratulations screen indicate approve credit try use exist balance within paypal give nature paypal business customers would assume paypal credit clients know paypal enter consumer lend industry traditionally electronic payment vendor customer base include still see paypal abuse relationship take advantage customer deceptive practice people know sign credit card clear verbiage would choose please investigate put stop deceptive practice paypal implement',
 u'due identity theft choose debt consolidation bankruptcy account identify credit report account attempt resolve via months date satisfactorily close resolve every account accept attempt resolution refuse attempt resolve issue still negotiate good faith report account bad debt place collection skip adversely affect credit rat',
 u'merchant charge credit card end amount authorize charge amount unauthorized beside fact never receive merchandise full track number merchant sport document show part shipment also never get correct invoice vendor invoice sport mock invoice without permission signature fact verify date invoice credit card charge days come charge get invoice contact express last months start first dispute dispute follow dispute follow dispute number finely total time get response merchant reply inquiry deny request credit provide detail letter itemize invoice proof delivery shipments attach support documentation provide merchant review fact never authorize invoice ever mock invoice without even signature track number full shipment fact charge total dispute amount merchandise n receive ever main point never ever authorize charge make short word point main facts never authorize never authorize invoice never sign never get merchandise full track number full amount merchandise',
 u'fl fl ph give auto title loan around time receive since mean repay auto title loan provide proof job mean repay loan previous pay stub job employment longer affiliate go paperwork fast say sign process many loan could another refinance tow get pound neighbor friends pool together get van back charge tow bill also pay tow company pay separately tow bill bill amount original loan plus charge unaware initially call phone day everyday want take mean transportation threaten message send legal feel like violate company tmx finance ga instaloan ga contact fill application assistance florida give copy loan paperwork etc still receive unemployment receive income whatsoever action today please help feel entire business crook next step take local newspapers print',
 u'request loan modification reject yet income high unable meet monthly payment instead work sell loan wihout complete modification want forclosed house one happy primary duty complete fast sale employ fraudulent mean',
 u'really great experience pnc mortage home loan call complain tio good service low rat even understand would make loan tie money ur yrs low return would inves money return wait yrs get back seem odd would lend money low rate interest please share compliant pnc give great service',
 u'renegotiate mortgage wth bankruptcy proceed make prompt payments two half years new loan refuse send information credit report bureaus deprive credit rat time try collect illegal fee hire attorney get rescind want recommitment agreement would put fee back play order report credit bureaus',
 u'go finance home time home loan time water level still make payments time credit score secure fi hell break loose try everything book railroad file complaint attorney general office senators office avail string close process contact c e months run runaround email say set close l call banker ask aware close say n hear next thing know claim sell loan service call land trust talk attorney staff since home trust sons name inquire hold collateral believe call attorney tell contact c e inquire happen fi speak say sell loan still hold lein trust collateral contact tell take days get system days later contactact say dollar check fi say dont loan service point hospitalize enough stop pay mortage years hire attorney handle kill end story dollars reason refuse beautiful home yrs steal fron offshore company please tell recobank e phone name email',
 u'boa credit card card close without notice without valid reason cash reward money steal employee pay bill time work hour weeks achieve manage cop prior tragic events love taste meat practice vegan believe kill animals lest ignorance take best conscientious waste resources life style care every little bite count however continue disappoint people place position authority esp government facilities theory act people best interest something mull every time government employee representative senator etc opt status quo ignore unscrupulous behavior corporations like simply sell people vote position choose sell love ones children spouse mother father friends etc affect sad truth lend status quo majority persons u unable unknowledgeable protect right even combat apathetic negligence unlawful activity fraud unscrupulous misconduct hindrances honest citizens right impunity theft financial industry continue mle open credit card credit score line credit make transaction approx pay every bill time early every month minimum payment however town deny try put gas car never carry cash credit card call inform credit card go annual review close week ago never send notice via email phone text postal mail nothing account good stand time boa refuse reconsider hour drive home night tank gas well give account good stand pay boa service legal contractual basis discontinue moreover accumulate reward cash unable retrieve money boa claim lose reward money due account close primary reason open boa card reward boa incessantly bombard via promotional offer mail furthermore importantly violate credit card accountability responsibility disclosure act specifically credit card issuers must notify rate increase significant change term credit card account least days advance effective date personally seem must look another protect obank elves therefore initiate lawsuit expose corrupt policies boa also win suit force statute legislation initially intend must take battle seem individuals place position concern line campaign pocket protect children spouse mother father love ones shame shame',
 u'become payment delinquent auto loan upon return work call make arrangements pay payment portion past due amount current apply late charge despite intent mislead statement representative assure process apply payments manner anyway realize happen speak another representative tell would correct request misapply payment reversal payment make portion apply late charge reversal promise happen conversation speak rude representative manager basically state policy always apply late charge prior allow consumer pay past future payments state unfair deceptive state recobank e accept go pay history order allow fee accumulate variation policy would consider end day apply manner claim policy allow continue incur fee top fee would take consumer lengthier time become current',
 u'dual job losses years back place program assist payments make every payment owe last statement show charge interest say program thet wait five years consider lower interest rate never explain would charge high rate afford make dent principal extremely high rate contact ask help tell bad fail understand punish comply program faithfully make payments behind',
 u'customer past year number issue loan service time company assess late fee payment deadline accord customer service folks day later fall weekend holiday regardless use online bank everything seem company one difficulty process credit payments timely fashion last time tell payment paper format delay pay fee late mortgage payment ever years time contact b confirm payments mortgage electronic format payment send arrive deduct account note payment assess fee behavior appear fraudulent pay bill time live within mean single parent accountable pride time frustrate pay date vary know window base paydate employer document exact snapshot online bill pay account note payment send receive deduct frustrate enough look line see others find problem review horrible star similar issue expectation quickly resolve issue reverse fee time last also please educate customer service folks ethics lie customers paper versus electronic submit complaint better business bureau well recommend websites deal mortgage fraud',
 u'agree fee charge take loan education oh sale debt reduction loan nothing do time complaint detail complaint regard federal student loan forthcoming well',
 u'name since pay per month loan amount springleaf financial annual percentage rate apr account presently allow make ach loan repayment monthly amount month check account inform springleaf financial credit limit available credit originally set loan provide check write available credit make purchase accordingly fall still case able write check request monies credit line tell springleaf representative cause poor credit rat inability make minimum payments credit card get behind make timely payments complaint make time monthly loan repayments springleaf financial years penalize springleaf inconsistent credit card payments company also credit line may access allow negotiate term loan ask regulatorydept give guidance way forward non benificial loan',
 u'problems customer service regard lawsuit settlement regulatorydept college son student loan issue thru via husband coborrower loan receive letter loan son receive letter important son receive letter address loan negative effect credit report letter send husband state notification send major credit report agencies request tow loan account delete credit report son receive leters',
 u'get flexible payment options violate usury laws charge private loan sell loan aes rate remain lower loan total take reach pay interest yet loan want loan discharge interest rat violate california rate loan virtually impossible pay high interest rat top california put unethical sales tactics financial aid department take loan',
 u'billmelater charge late fee call make payment system tell payment due make already make payment earlier month go pay month say past due charge late fee payment make day cycle date end payment make month refuse waive late charge',
 u'may concern write response recent conversations past years dispute sps regard foreclosure action commence time servicer sps adamantly refute foreclosure action previously occur foreclosure action commence initiate action numerous phone call discussions far past month speak advocacy department advise would send response letter state spss position remain regard go dispute foreclosure action occur also ask intentions property question evict property already foreclose upon two years sps deny knowledge mortgage service deficiencies unresolved prior transfer service right sps yet sps third party attorney formerly know know attest full knowledge information file court maryland maryland vex spss repeat failure acknowledge inquiries question regard unresolved mortgage service deficiencies initiate commencement foreclosure action result purchase property allege secure party na trustee mortgage trust fact govern new york time commencement foreclosure action note assign trust fact note transfer securitized trust prior transfer service sps',
 u'submit document require sear credit card company time continue ask identify document order issue replacement card wife get currently nothing card owe credit account need replacement card owe please help thank',
 u'write countless email talk customer service get escrow check never send town still never receive freedom mortgage still send check call back never deal anything like life please help',
 u'trouble payments handle cosign student loan salliemae son last years make require minimum payment time number loan grow payment currently send check loan amount suddenly last month credit full payment loan put loan late payment status extra fee happen time gladly reverse time however tell bad make late payments fee loan get catch say even though rule make ca n expect know credit account correctly unless send separate payments detail instructions want payment credit loan seriously simple math loan x seriously send check write detail instructions',
 u'try refinance truck get lower payments deny say delinquent account credit card try pay always make payments within days due date usually payments make within days date military pay check come versus date payment due always make payment month due date follow month ie due date make payment military pay reason take credit card last year hit financial hardship pay moms bill work well pay surgery dog accident well spend past year play catchup finally catch bht always make payments credit card within days would n consider delinquent however somehow make account delinquent report negative impact credit work hard obtain build refinance truck make payments lower save money report make day period would like find put credit report see get take negatively impact credit car payment mortgage always pay time day well small loan another compan pay day bill late either account issue navy federal account report delinquent without thirty days charge double interest rat make hard make headway card military come year refinance truck make payments time n issue hold account delinquent',
 u'trouble payments handle set month forbearance would deduct every month months receive letter state set phone another statement state go deduct particular date set payment deduct accordingly father co signer loan receive letter date state account past due payment owe immediately call tell forbearance process incorrectly last associate speak wrong term repayment offer mistake offer fix put new plan forbearance process would months next months follow months ask advise process issue state representative call unable leave voice mail never receive call ask notify write respond n know get answer offer change forbearance plan something n originally agree company learn lesson bad business attend ga',
 u'lose job reach citimortgage loan modification start process fulfil requirements modification complete however modification extend term years raise interest rate add defer thereby lower mtg house appraise save mere month rambler dream express concern citimortgage put skin game tell offer process electronic system would issue duplicate notifications require signature receipt mean several trip post office addition new note etc name incorrect result error previous harp loan',
 u'keep get robo call threaten legal action accuse defraud financial institution callled back suppose case refuse information like adress tell name georgia call come ohio',
 u'forge signatures decease father step mother note deed well loan application countrywide home loansrefusal take payment home loan service default loan sell loan never send notice sale record record office receive notice transfer loan five months transfer document date receive call report sale void never receive document notice failure allow assume decease father loan require refinance name credit record sale transfer forge deed note sell allegedly vice president signature signature never vp company account executive last employ countrywide list robo signer online profile online work history proof notary ca know kind fraud request record make b lender servicer default loan name transfer assignment sale deed note original lender countrywide go bankrupt also purchase make deal b know loan originate countrywide fraudulently do record win judgement foe sell loan yet still make agreement part know fraud still contract help default foreclosures guilty willingly contract feel like show back hand deal company settle dispute would either one deal concern countrywide loan also cost fee charge go reason increase cost every year',
 u'company try enforce fraudulent agree pay loan keep promise breach contract do charge higher interest rate hand clean need protection greedy lenders enforce illegal contract steal home scam people',
 u'xxxxawhile ago come temporary financial hardship time life due divorce increase monthly mortgage payments reset live expense result temporarily unable pay property tax part mortgage company bayview pay expense appreciate prior monthly mortgage amount inception loan include house insurance property tax pay without miss payment bayview increase monthly mortgage increase presumably property tax already pay amount place escrow account try come amount due per statement send bayview sadly occur rma loan apply time run foreclosure proceed due initiate bayview send another letter state total amount due difference seven days work diligently bayview resolve situation request total amount due upon verification add monthly principal would expedient method party resolution quite able make original monthly mortgage payment continue make monthly addition homeowner insurance hoa dues current close friend years temporarily forward month order meet affordable financial obligations secure loan monthly income receive additionally state bayview home california go market inxx condition improve greatly california real estate market upon sale home state bayview verify amount due order bring account current would pay full bayview add amount due mortgage principal amount due would still pay full contingent california home sell however would set amount freeze specific date email bayview date state additional documentation send review underwrite department underwriter conditional file request borrower provide income docs personal loan friend reflect rma day respond could advise type acceptable document verify income look would begin amass information advisement bayview request bayview ask person live response day answer today bayview state use income state loan friend valid verifiable income purpose loan modification answer bayview regard request advise documentation would need satisfy request strongly appear communication underwrite problem source income request verification documentation mention ever make today income non usable understandably begin question go give fact request type documentation need income show will work bayview reasonable affordable solutions situation',
 u'auto loan vehicle discover worth however loan due thr high interest rate overstate price time purchase fell behind payments call numerous time time time day eventually make payments also tell would defer late payments help weeks later repossess car exhorbitant fee charge equal entire car payments buy car like buy car place bad deal impossible improve credit',
 u'mortgage loan service confuse disorganize try multiple occasion resolve delinquent payments cause loss income run roadblock another tell approve program try make payments misplace lose refuse accept day sure happen apparently neither employees beyond frustrate feel like literally black hole try deal send multiple payments return complete modification approval paperwork submit payments second time return demand things change demand start treat case priority demand get straighten buy house brand new build site basically steer house lender could get incentives well company basically shove predatory adjustable rate loan payment begin adjust literally every month go month definitely overextend put bad position plan would increase earn put better position work years retire use save profit share go school get promise people business would make lot money go route stay status quo get start work company unfortunately advertise could make much steady income pan income drop precipitously could keep mortgage payments begin try work towards modification long grueling process income still low end go back start work finally get approve modification new payment want sure honor agreement take small loan pension order fund available time never receive statement payment coupon indicate first payment due simply receive letter last week regard first payment date send payment immediately cash check receive another letter state next payment due mail payment immediately well advance due date cash check either couple weeks later get package ask sign modification state need pay order get modification reinstate amount already pay check send back along paperwork reason cash send paperwork back along payment check send back ridiculous demonstrate want accept modification send payments due disorganization decline',
 u'loan transfer two years toss around make home affordable pull trial plan add sort foreclosure fee wasnt begin file complaints hud rep get involve find many misconduct fix unknowingly pay mortgage every month n apply loan put separate account say do suppose correct month negative credit report last year still n fix',
 u'mean short version fell behind mortgage storm damage insurance claim deny midst double dip recession severe reduction income since apply mortgage modification citimortgage start keep better record since keep copy submit document respond either within hobank document require within days page request seem submission latter part would receive email mail state file complete forward underwriter time later get request document supply cobank e document expire send update document cobank e change person charge account go year end sight sadly addition cruel unusual punishment income reduce negative company gross reduce therefore live save exhaust come back yes quite behind take years catch however afford mortgage afford catch late payments keep ask beg solution none seem forthcoming go years five years limit cobank e condense version submit much detail timeline support document attach early well year document would gladly submit copy document might vial jump drive',
 u'per attach statement credit available receive refund fro merchandise return home depot suddenly credit limit reduce instead cause loose money pay well refund amount abusive practice totally unfair behalf card holder fell take store credit put back home depot credit card merchandise credit available issue refund attach statements fro please help',
 u'deny modification due service company admit error slow process time',
 u'receive mortgage payment coupon month call financial say short escrow since add payment start month tell previous lein holder shortage calendar year present tax insurance hang significantly n get increase tax homeowners insurance n justify increase tell dont pay new amount start foreclosure owe mortgage think try steal house worth lot back months ago struggle ask send hardship info think start whole process work see consumer affairs page man issue beware might try grab others house fl',
 u'communication problems bb mortgage hop could intervene get help get mortgage back track try work representatives obtain modification loan respond petition set forbearance plan comply last payment agreement intent bb set loan modification plan either purposely try take home away dysfunctional process either way would like look get loan payments back track keep home financial challenge due unemployment delicate surgery cause fall behind loss income recovery time surgery good news back feet financial problems due inconsistent income unfortunate events describe force temporary discontinue make mortgage payments without income fell financial chasm try keep mortgage payments long could ultimately fell behind payments want resume make mortgage payments every creditor contact understand work temporary financial health crises bb mortgage refuse come table tangible solution assistance try comply bb mortgage get help mortgage buy agree forbearance plan wo n listen deny access government homeowner assistance program matter many time contact futile effort single point contact offer sort assistance repayment plan get payments track insist pay entire past due amount impossible leave options work give runaround feel act judge jury executioner regard options without fairly review financial circumstances truly afford home move believe loan fit squarely within government guidelines hop could reach behalf save home impend foreclosure sale want simply want review mortgage available retention options keep home need handout give something n deserve want opportunity treat fairly financial future look bright financial issue move forward get resolve reasonably thank advance help could provide sincerelyxxxx',
 u'wife become victims citimortgage mortgage company first seek modification tell first months behind take months process modification create additional dollar principal balance increase monthly payment remain make modification payment tell send difference amount due since credit account later notify payment consider late due send complete amount contact even though could see credit system could move amount complete payment late would help send remain balance force seek assistance happen enter program person name promise help pay note citimortgage charge amount comparable market value home time sign unfortunately spend almost years pay attorneys fee keep house foreclosure well fraudulent person recently convict sentence mortgage fraud time refuse work force open claim finally allow submit information another modification approve fannie may modification plan ask start make trial payments however letter state would suspend foreclosure proceed move conduct foreclosure sale trial payment receive however receive payment postpone sale date instead stop foreclosure sale proceed contact attorney response postpone foreclosure sale date meet obligation agreement explain send copy agreement tell foreclosure suspend conduct sale postponement mean sale still active schedule different auction sale date attorney recently proceed threaten claim sue provide citimortgage letter rescission currently incarcerate sentence federal prison fail understand continue victimize citimortgage attorneys document real mean secure matter letter rescission citimortgage pbank ue claim previously give former attorney contact information incarceration detail contact claim prepare supposedly contact department justice victim witness department anyways fear citimortgage would cancel modification process respond favorably try get currently incarcerate sign letter rescission citimortgage believe citimortgage honor obligation state approval letter suspend foreclosure proceed also fear continue try sell home cancel modification process claim spite efforts work provide document ask timely manner even help j confirm second payment receive email attorney sale date till active',
 u'issue process resolve however practice describe must investigate action take boa discontinue practice describe situation individuals charge fee like situations refund boa penalize action credit card issue boa card reward program earn point may redeem travel merchandise cash statement credit complaint relate instance statement credit point earn request approve statement amount due date point value available redemption thus balance due point conversion request make via telephone call boa agent verify remain amount due electronic payment make amount thus overpay amount due statement follow month indicate payments credit however late payment fee assess close date statement interest charge telephone call boa agent state fee assess minimum payment make without hesitation state define disclosure statement minimum payment require speak supervisor also state several time requirement make minimum payment define disclosure statement say agent make transaction would read disclosure time agent may read time clear minimum payment would also require supervisor offer remove fee say could make immediate payment account err lock make payment opt time say place note account payment receive account credit electronic payment payable make full amount statement include fee statement due date assume credit make within days receipt boa credit stand credit statement effect force interest free loan boa period disclosure believe boa personnel refer entitle member reward program rule head cash reward redemption statement credit statement read point redeem statement credit post account within days date redemption statement credit generally apply exist balance highest price annual percentage rate apr receipt statement credit affect responsibility pay total minimum payment show statement receive statement state fund must tender amount excess amount owe practice pay statement balance full month boa requirement pay amount excess amount due totally illogical unethical illegal present fact agent supervisor quick retort disclosure statement lead believe isolate occurrence',
 u'purchase car arizona car finance americredit financial fell behind payments mother become stricken subsequently repossess americredit repossession unlawful due threats violence abuse family repossession agent constitute breach peace point gm financial purchase americredit begin report original loan deficiency balance credit report great part last year contact gm financial credit bureaus incorrect report account correct gm financial continually refuse correct report despite multiple request directly multiple dispute credit bureaus gm financial continously verify information accurate credit bureaus even though clearly accurate currently account report correct loan term monthly report inconsistent report account subsequently delete gm financial report last year possible gm financial continually verify account accurate credit bureau account report differently report provide follow proof support claim original contract americredit reflect term account months currently report months gm financial thus age account screen shots account currently display credit report show different payment histories status email correspondence gm financial show provide documentation show account report properly refusal address issue email correspondence ceo gm financial bring attention continuous report errors wrongful repossession mail correspondence gm financial assert gm financial properly report account',
 u'apply loan modification split past payments certain amount time bring payments current access multiple list service mortgage n follow principles appraisal practice code ethics new appraisal standards loan broker price opinion n look like go uniform standards professional appraisal practice translation appraisers ca n get trouble come value low lenders n lose money account sense appraisal low happen n make money could make loan item show financial statements appraisers however get trouble come high pull corporation info supply state maryland seem corporation expire license business maryland please investigate go contact agents list use comps since agent supply broker opinion seem puff property push value downgrade beautiful list push properties value n know emortgage make agent manipulate value way hope board realtors real estate commission audit broker price opinions emortgage supply invalidate force short sales perform due push value also notify regulatorydept action concern broker price opinion n valid price opinion expect mortgage order full appraisal license maryland appraiser tell would pay appraisal since keep play game address verification photo pre date price opinion photo price opinion supply emortgage logic months ago check roof old picture damage set picture sales person show recent roof damage set stage sales person rate home fixer upper average condition state sales person none comps similar since immaculate superior condition enclose picture actual comps use show superiority broker price opinion n look like go uniform standards professional appraisal practice sales person md license number n include price opinion number valid maryland license number company address price opinion n match sales persons license md date price opinion price opinion certify emortgage logic certification really n mean anything since n license business state maryland state state box go comps notice comp sales person say average shape home completely update average shape inferior home inferior home enclose list realtor view beautiful picture update home home city utilities another update home enclose agent copy list beautiful picture list home list price opinion average home superior load whole letter',
 u'get flexible payment options issue education service take several loan pay education college ne college defunct company constantly lead astray call hardship program representatives tell time available find n cause loan delinquent amount skyrocket currently past months many different representatives tell different things state loan important pay amount keep default rep explain even month would keep loan default finally speak loan specialist properly reassure nothing else could help record conversations loan reps due history inconsistent write letter try sway creditors allow financial help woman say letter probably wont help might worth shoot reassure n even near default week later receive call letter default company also raise interest rate greatly fluctuate time pay loan almost ten years amount owe increase company deceitful n properly train employees also protocol misinformation negligence behalf company blame always fall person pay point probably never able pay debt lifetime',
 u'loan b already receive mail letter state interest rat come could go fha loan pmi conventional loan lower interest rate save approximately month mortgage start process everything go fine want see everything mean everything pay utilities gas food internet service cable pay much ask see account send information first page statement show deposit withdrawals daily balance enough enough want see much pay include cancel check sorry invasion privacy need know much pay anyone none business question tell law ask law could look read could provide information research make several call include several agencies one hear law find federal guideline use guideline law guideline state right see much pay every month anyone guideline find federal code regulations title section subpart e paragraph thing state verify amount income assets provide w pay stub employers info enough want see check account tell verify check account send front page deposit withdrawal daily balance sufficient get phone call back state enough need make sure pay need see much spend bill every month none bank business much spend every month send page statement include copy cancel check want see amount pay black state unacceptable need see everything tell none business tell writers need see much pay tell law tell guideline quote federal regulation state still need information prove pay back bill include mortgage tell go send amount pay state ca n business cancel loan application days later receive letter state cancel loan application could see already n loan b however loan yrs opportunity get lower interest rate get rid pmi loan save month current mortgage payment fail understand bank institution manipulate word fit whatever feel want see personal live people really none business action make wonder many people happen bank thing invasion privacy business know loan especially provide w pay stub retirement account information etc',
 u'since despite make mortgage payment manner amount previous months mortgage provider incorrectly process payments problem occur month payment process error different problem persist despite file complaints monthly call customer service several interactions office president understand fathom process payments correctly consecutive months row mortgage payment additional principal loan suddenly ca n process payment correctly worse explain errors also file formal complaint ethics compliance line monday even courtesy follow call find practice unethical likely occur consumers may even aware provide channel file complaint reach side television investigative report fl area hop help stress deal ongoing payment process errors take toll emotional health well find despicable prepare send formal write complaints ceo senior vp whose name form letter receive follow call collection department inform make payment fact process check inform persistent frustrate insult treatment receive month month',
 u'buy new house tx area family excite first home look around good lender great rate come plan mention eligible physician loan apr need set escrow account ask agent multiple time sure set escrow account answer percentage sure set escrow account percentage lenders provide similar rate loan set escrow account aggressive give best service everytime question similar sure n set escrow say sure decide go look confidence promise send close cost work sheet good faith estimate without escrow account well show prove promise meanwhile provide lot document loan timely manner whatever processor underwriter request work business days remain close come late afternoon mention set escrow account make mistake please forgive really upset set escrow account reason go lender provide rate loan escrow really anxious wk remain close felt cheat customer end day understand loan go different stag final approval nobody notice inform escrow thing last moment days remain go would never go aware set escrow different options set escrow home loan end pay additional escrow account monthly payment ready would totally consider fraud cheat customer believe customer right get correct information product whenever buy something inform customer surprise anything motto please help matter one else get fool cheat',
 u'receive email line state mortgage payment receive home mortgage close pay account exist bofa call bofa mtg customer service tell would contact bofa line since different bofa ask customer service agent correct record refuse check annual credit report web find day delinquent record thru bofa go local bofa branch process request correct record branch give case contact agent bofa next day tell email bofa line acknowledge mtg pay however would correct issue end apparent line entity ability post incorrect data bofa mtg bofa mtg responsible',
 u'equity loan boa last years amount endon never late payment notice boa newpayment time previous amount amount fair year old father street happen please adviseme',
 u'wife contract real estate agent short sale home notify lenders yet lender require repeat many document claim unreadable expire finally tell document refer committee months wait tell n real estate agent email correctly file pause document unreadable expire extension expire viable buyer process',
 u'credit card however issue apply credit card business currently time put daughter authorize user card approximately employees well get bill name call company basically tell nothing could name co signer bill come address begin name suddenly move another town start get bill new address could n figure tell make sure bill get could pay time well call ask send bill new address longer sell home say could n would go address state home address tell address quote home address get bill back address quite time well n forward bill new address months later call daughter harass payment would like buy new vehicle credit report even apply credit card call company several time ask copy original application know application never sign anything name even original applicant send copy bill original application contact lawyer file complaint hopefully save give money handle credit card company listen truth hope help matter get take care thank',
 u'last years make bi weekly payments exceed monthly amount start pay ahead towards mortgage approximately years ago mortgage transfer early start notice issue new servicer call explain luck talk call center say n understand payments due certain date explain understand however method pay ahead would n accept hold suspend payments leisure apply loan lose financially still apply interest rate correct get threating letter behind call distrust wife actually pay bill fact try pay ahead loan never issue loan transfer understand loan get transfer however pay account faithfully ahead time since purchase home current creditor contact many time even ask look situation never respond phone send confuse information',
 u'home depot say fault pay bill report days late credit bureau issue account pay full long period time account activity therefore receive paper statements credit file overpayment use go four six dollars pass credit cause payment make balance account six dollars credit limit home depot report late make payment receive bill later drop credit limit call dispute home depot credit report home depot female representative helpful ask speak supervisor say fault error business practice home depot consumer always pay bill never late big small ticket items deplorable treat fairly felt reject customers amicable phone people infuriate regard subject matter leave bad taste mouth business',
 u'chrysler capital hire repossess chrysler c balance pay chrysler capital right lien vehicle file chapter bankruptcy chrysler capital n file reaffirmation agreement even call time send sign file bankruptcy put position liable balance owe chrysler capital n file reaffirmation agreement bankruptcy send chrysler capital restrictive endorsement exchange title vehicle chrysler capital agree relinquish right lien vehicle send title cash check responsible remain balance vehicle chrysler capital accept money exchange lien title vehicle chrysler capital hire take vehicle illegally',
 u'account financial process attempt repose vehicle convey title loan transaction issue hire third party agent violate fair debt collection practice act several occasion agent engage practice convey information concern vehicle make model year park drive way private residence prolong periods time ie harassment third party egregious act misrepresentation stand official title agents state om many occasion investigators however press matter hold validate investigators license type third party agent avoid direct question say call number refuse convey primary issue concern continue harassment third party obligate way matter conveyance proprietary personal information false claim concern professional stand direct violation fdpcafalse statements debt collectors may lie try collect debt additionally sit driveway extend period time construe obvious harassment tactic divulge proprietary information nature attempt contact specifically make model year vehicle obvious attempt inference status loan account',
 u'work loan modification u almost full year fell behind mortgage payments become unemployed almost years ago continue make payments home mo use save retirement account money ira make choice either fee wife young boys pay mortgage credit card bill choose fee family miss couple payments notify u hardship begin work modification request provide information ever think possible make seem like try keep home however deal process almost entire year come realize play game intend help submit information request almost immediately every couple weeks find new info need would provide information every months information document sign rma request modification assistance would expire notice happen several time relationship manager person assign account would get back sometimes weeks time would ask file complete process multiple occasion would even tell file look complete would submit process every time would come back need something typically something already provide happen time would resubmit already provide u would come back say need provide different way find reason accept submit flat lie say receive even though email record say send office say document receive worst part try receive anything free entire process ask miss payments add back end loan n lose money resume pay months miss payments tell u could afford monthly payments exhaust save think work towards common goal modification say would help even start make payments good faith show serious shock return payment say continue modification process awful thing return payment months ago could pay last months would put money u vault instead tell send least different occasion ask send info already send even worse often reply exact email detail send ask send something already multiple time relationship manager say file complete hear back processor relationship manger something miss expire want stay home family past financial hardship afford make full payments mortgage month able months save exhaust ability pay back miss payments almost full year delay info lie misconstrue truth say act like want help stay home email entire process blatant obvious provide info require instance send still move foreclose',
 u'loan inception assure twice monly partial payments permit divorce sign quit claim would remove hime loan unless refinance would restructure qualify refinance tire several time tell way could restrudture allow loan go foreclosure neglect pay homeowners insurance escrow notify force surplus insurance present call bankd insuance tell wait renewal replace surplus insurance meanwhile move time receive notice present multiple call letter respnse someone would reseaach followup latest fter word return call weeks find longer company loan foreclose approve foreclosure note tht file note concern foreclosure due non payment days never miss payment responsible forecloser pay errors part statements also provide years account try track payments file insurance escrow research request loan schedule foreclosure tomorrow',
 u'mortgage loan primary residence purchase pnc mortgage payments consistently make apply outstanding balance within grace period define pnc mortgage however month payment credit account automate phone call begin phone call occur time per day continue payment credit answer call sometimes automate message time nothing human end record say please wait customer service representative call disconnect also receive call payment process occbank contact pnc mortgage inform call make know contact furthermore addition multiple automate phone call payment collection process perform pnc mortgage abusive unfair deceptive due continuous phone call without information inability connect representative pnc month forget transfer fund cover bill mortgage check return upon identification return payment log online pay mortgage charge fee make online payment late fee days make payment receive certify mail package early intervention possible home ownership counsel opportunities even days late never receive notice contact pnc within days date notice could face foreclosure notice require respa wa state law allow lender days provide notice early intervention context pnc mortgage notice bring attention rather scare average consumers possibility lose home current mortgage never days past due select pnc mortgage originate loan feel though require option pay loan refinance another lender avoid pnc abusive threaten tactics clear pnc unable effectively manage systems control mitigate risk harm customers many must deal poorly operate company without choice',
 u'speak regulatorydept supervisor learn request agency forward previous complaints error file complaint continue respond address issue therein require federal law false statements make attempt obfuscate issue complaint truly appreciate regulatorydept efforts completely understand error could make duplicitous request formally request regulatorydept intake supervisor regulatorydept attorney review complaint entirety confirm new assignee list assignment mortgage attach hereto fact party must provide write disclosure tila u c g cfr subpart e dodd frank wall street reform consumer protection act grant consumer financial protection bureau regulatorydept authority supervise enforce compliance tila implement regulations respect entities regulatorydept jurisdiction see usc b c b c continually violate tila u c g new york trust law illustrate herein one party subject complaint allegedly act trustee alternative loan trust mortgage pass certificate series trust complaint violations tila u c g new york laws base upon action allege trustee aforementioned trust provide relevant response please direct complaint party complaint servicerbank already provide write notice servicer loan subject complaint state part confirm loan transfer new servicer service effective year ago base upon forego response letter require time attach n even servicer complaint still properly direct new assignee mortgage duty provide write disclosure detail transfer mortgage loan homeowner cfr subpart central issue complaint follow allege assignee mortgage fail continue failure provide write notice new creditor require tila u c g cfr subpart e mortgage transfer disclosures trustee attempt transfer mortgage loan trust six years close date clear violation new york trust law violation trust via false statements agency likely continue attempt agency route complaint thank advance regulatorydept supervisor regulatorydept attorney review complaint confirm must respond behalf require federal law entity list new assignee assignment mortgage full complaint attach pdf form',
 u'submit document require sear credit card company time continue ask identify document order issue replacement card wife get currently nothing card owe credit account need replacement card owe please help thank',
 u'billmelater charge late fee call make payment system tell payment due make already make payment earlier month go pay month say past due charge late fee payment make day cycle date end payment make month refuse waive late charge',
 u'per attach statement credit available receive refund fro merchandise return home depot suddenly credit limit reduce instead cause loose money pay well refund amount abusive practice totally unfair behalf card holder fell take store credit put back home depot credit card merchandise credit available issue refund attach statements fro please help',
 u'home depot say fault pay bill report days late credit bureau issue account pay full long period time account activity therefore receive paper statements credit file overpayment use go four six dollars pass credit cause payment make balance account six dollars credit limit home depot report late make payment receive bill later drop credit limit call dispute home depot credit report home depot female representative helpful ask speak supervisor say fault error business practice home depot consumer always pay bill never late big small ticket items deplorable treat fairly felt reject customers amicable phone people infuriate regard subject matter leave bad taste mouth business',
 u'victim credit card fraud card impact fraud report police assistance credit card company accept fraud complaint deny fraud claim essentially engage loan shark since pay merchant guilty fraud come fraudulent bill company barclays issue',
 u'dual job losses years back place program assist payments make every payment owe last statement show charge interest say program thet wait five years consider lower interest rate never explain would charge high rate afford make dent principal extremely high rate contact ask help tell bad fail understand punish comply program faithfully make payments behind',
 u'keep get robo call threaten legal action accuse defraud financial institution callled back suppose case refuse information like adress tell name georgia call come ohio',
 u'apply venture credit card receive card call number activate say fraud alert send fraud department werid since card n even active upon research discover standard process finally get someone say options fax email copy various document include social security card pay stub license birth certificate admit process could take months since back forth image quality isnt like could go local call hand phone representative could verify identity strongly encourage follow route even though sound sketchy unprofessional since agreement arrangement bank put customer awkward process argue scammy unprofessional process decide try suprise say think sound like identity theft want part actually think try steal information last straw call capitol one cancel card do say couldnt cancel card since fraud alert still need send copy private financial document visit another branch hop would play ball feel like scam isnt unfair treatment customer ask lot information need god know dont trust company info regret fall airline award sign bonus trap problem website dedicate would do research xxxxxxxxafter hobank hold pass around refuse give information cancel finally get manager would credit score hurt cancel card within days anyone help',
 u'issue process resolve however practice describe must investigate action take boa discontinue practice describe situation individuals charge fee like situations refund boa penalize action credit card issue boa card reward program earn point may redeem travel merchandise cash statement credit complaint relate instance statement credit point earn request approve statement amount due date point value available redemption thus balance due point conversion request make via telephone call boa agent verify remain amount due electronic payment make amount thus overpay amount due statement follow month indicate payments credit however late payment fee assess close date statement interest charge telephone call boa agent state fee assess minimum payment make without hesitation state define disclosure statement minimum payment require speak supervisor also state several time requirement make minimum payment define disclosure statement say agent make transaction would read disclosure time agent may read time clear minimum payment would also require supervisor offer remove fee say could make immediate payment account err lock make payment opt time say place note account payment receive account credit electronic payment payable make full amount statement include fee statement due date assume credit make within days receipt boa credit stand credit statement effect force interest free loan boa period disclosure believe boa personnel refer entitle member reward program rule head cash reward redemption statement credit statement read point redeem statement credit post account within days date redemption statement credit generally apply exist balance highest price annual percentage rate apr receipt statement credit affect responsibility pay total minimum payment show statement receive statement state fund must tender amount excess amount owe practice pay statement balance full month boa requirement pay amount excess amount due totally illogical unethical illegal present fact agent supervisor quick retort disclosure statement lead believe isolate occurrence',
 u'apply card tell would receive reward point upon spend card within first months prior apply card explain representative ask representative say would disqualify reward point previously apply proof card decline get card place hold come back tell would still eligible receive reward point upon spend thousand dollars since never get card information tell prior give approval run credit card card use thousand plus dollars make payment money back tell wo n get ask would get point say approve previous card try work issue email contact several time one respond email supervisors speak say nothing go exception reprimand representative give point promise approve card false pretense false advertisement',
 u'credit card however issue apply credit card business currently time put daughter authorize user card approximately employees well get bill name call company basically tell nothing could name co signer bill come address begin name suddenly move another town start get bill new address could n figure tell make sure bill get could pay time well call ask send bill new address longer sell home say could n would go address state home address tell address quote home address get bill back address quite time well n forward bill new address months later call daughter harass payment would like buy new vehicle credit report even apply credit card call company several time ask copy original application know application never sign anything name even original applicant send copy bill original application contact lawyer file complaint hopefully save give money handle credit card company listen truth hope help matter get take care thank',
 u'duplicate case please escalate supervisor manager copy complaint submit regulatorydept spark business credit card credit card issue reward record redeem reward ever reward balance contact reward ignorant person understand problem steal reward miss hundred dollars reward tell capital one merge personal account business account different tax id number refuse separate account currently merge tell capital one tax id require separate username passwords ignorant customer service understand problem even request escalate problem change customer service system impossible contact anybody assistance',
 u'engage bill practice unfair unpredictable result wrongful interest charge account since attempt contact matter several occasion tell would receive call back supervisor credit department date use charge type breakdown tool website pay credit card charge itemize fashion easy track back account purpose later apparently make miscalculation pay credit card bill fell short total amount due interest charge charge calculate entire statement balance portion leave pay rest bill give amount unpaid portion bill amount interest charge well excess state apr indeed excess legal limit transactions bill amex show balance payments receive amount plus credit apply amount remain balance amex charge interest remain balance interest charge fact amount remain publish apr contact amex request interest charge correct reverse tell forfeit interest waiver fail pay entire month amount due full interest would charge entire month unpaid portion also tell would henceforth charge interest monthly statements light experience try ensure pay itemize portion bill full use category category tool provide amex multiple categories pay include transportation office supply meals etc attempt submit multiple payments per category bill receive error message website tell could submit payments per day unknown time still unaware policy write amex website also seem unintuitive category category tool categories ca n believe person attempt divide payments category call amex attempt pay bill day due pay rest bill follow day would end late afraid receive interest charge base entire month bill unpaid portion reiterate per day policy yet see write offer get amex credit department phone help put payments advance mountain time payment cutoff time moments later say bill due date sunday credit office close would unable submit rest payments someone would contact take rest payments reverse interest charge apply light inability submit rest payments especially interest rate base full month bill unfortunately one contact date finally amex cutoff payments source great confusion even customer customer decade describe time phone agent last fall confusion result interest charge request refund complaint',
 u'sign usairways credit card run special promotion pay annual fee receive companion flight certificate use anywhere fly shortly thereafter airways merge send letter longer honor companion certificate offer refund annual fee offer bonus miles spend another card months company make good miles receive promotional mailer state offer original deal companion ticket speak company ca n get straight answer refuse discuss fact promo take away offer say could give companion certificate would good use problem take vacation per year already purchase full price ticket vacation tell longer offer original deal even legal',
 u'delware issue fraudulent credit name occasion second occurrence receive alert account open name immediately call barclays tell fraud call least additional time barclays still approve account thief use thief use incorrect spell name incorrect address telephone barclays still approve fraudulent request',
 u'boa credit card card close without notice without valid reason cash reward money steal employee pay bill time work hour weeks achieve manage cop prior tragic events love taste meat practice vegan believe kill animals lest ignorance take best conscientious waste resources life style care every little bite count however continue disappoint people place position authority esp government facilities theory act people best interest something mull every time government employee representative senator etc opt status quo ignore unscrupulous behavior corporations like simply sell people vote position choose sell love ones children spouse mother father friends etc affect sad truth lend status quo majority persons u unable unknowledgeable protect right even combat apathetic negligence unlawful activity fraud unscrupulous misconduct hindrances honest citizens right impunity theft financial industry continue mle open credit card credit score line credit make transaction approx pay every bill time early every month minimum payment however town deny try put gas car never carry cash credit card call inform credit card go annual review close week ago never send notice via email phone text postal mail nothing account good stand time boa refuse reconsider hour drive home night tank gas well give account good stand pay boa service legal contractual basis discontinue moreover accumulate reward cash unable retrieve money boa claim lose reward money due account close primary reason open boa card reward boa incessantly bombard via promotional offer mail furthermore importantly violate credit card accountability responsibility disclosure act specifically credit card issuers must notify rate increase significant change term credit card account least days advance effective date personally seem must look another protect obank elves therefore initiate lawsuit expose corrupt policies boa also win suit force statute legislation initially intend must take battle seem individuals place position concern line campaign pocket protect children spouse mother father love ones shame shame',
 u'saks credit card service issue refund check even though credit balance account call credit customer service request refund check email credit customer service request refund check send letter credit customer service via postal service make multiple call credit customer service inquire status check last week speak credit customer service supervisor name take information promise call back within hobank ever call back email customer service refund check tell would get personal response within hobank still hear back receive refund check request days ago law receive within seven business days initial request credit balance account keep write issuer refund amount one dollar card issuer must send refund within seven business days get request n ask refund n make purchase six months issuer must make good faith effort send refund',
 u'name lender contact regard vehicle steal back since vehicle steal continue make payments however insurance company inform make payment check issue payment insurance adjustor well contact regard payment still apply account representatives state payment receive however confirm package receive sign week ago harass representatives regard payment receive nasty call job leave threaten voicemails verbally mistreat supervisors insurance department customer service representatives company sincerely feel form retaliation file complaint bbb today payment still post account',
 u'intent apply kind loan solicit deceptive practicesi tell loan would easy get would trouble qualifyingsoon force go process call question credit worthiness property record process turn trouble qualify miasma official document likei send letter state loan approvedi tell loan would approve receive another letter ask documentation loan would get approvedsn email end understand paperwork relative divorce deed home adequate line equity homestreet refinance careful entice customers apply loan without facts matter process cause harm psychologically emotionally make financial decisions base word certain loan approval deceptive practice use get apply loan seek paperwork keep without approval paperwork return however also receive day air up package block home suppose send also include tax document perhaps pitiful part tax document include package instead receive tax document know cajole apply loan seek tell loan approve need close credit account good faith base assurance bankeri tell banker loan part build relationship tell leave even announce apply loanmy grievance strong arm sales tactics deceptive part loan process banker blame incompetence underwriters delay process loan leave loan deny case obviously work best interest customer fact quite opposite compromise credit availability also put grueling intrusive process despite promise opposite kind bank practice unfortunate harmful bank able make promise keep fool consumers',
 u'husband purchase home mortgage service transfer bb bb completely negligent handle escrow account loan service general cost immense amount time result apply payment incorrectly allocate receive collections call dispute allege miss payment also mismanage escrow account result believe give full refund require respa overstate premium pay flood insurance despite provide notice error record bb also make practice harass allege insufficient insurance coverage even though insurance coverage always exceed loan well property value spend countless hobank phone finally advise bb undisclosed policy homeowners flood insurance coverage amount match exactly correct difference bb still harass letter claim insufficient flood coverage threaten purchase force place insurance',
 u'loan sell caliber call make arrangements make arrangement representative tell would send letter agree sign get deal go never recieved letter sign however recieve letter wrong date amount agree letter say money due would default amount due incorrect meantime wife handle business loan altho loan name send letter authorization upload yet refuse speak wife unavailable give verbal authorization sure fact send authorization would speak tell letter authorization n upload yet wo n speak allow clear situation letter threaten default money n agreement penalize inefficency company hold loan',
 u'send letter indicate hazard insurance coverage expire indicate plan buy insurance property charge condo insurance effect since buy unit hoa maintain master policy insurance without lapse mortgage sell never provide insurance information either party life loan statement record indicate expiration policy falsehood',
 u'trouble payments handle private student loan sallie mae school refinance loan send sallie mae payments send receipt payment sallie mae n process payment want pay loan already pay call tell would pay fee put forbearance could research issue issue fault company split fall resolve week pay fee wait receive bill tell still payment due call record dispute tell way would research mistake electronically send proof payment conferenced call representative also overpay sallie mae actually hold money',
 u'begin tell way could modify mortgage behind pymnts back loan person say would miss payments could apply modification would able help long current could modify loan miss payments tell apply modification everything tell paperwork incredible submit time submit supply lose document give nothing complete run around transfer sps assure sps would get modification do quickly effectively apologize put ok different sps ask documentation provide thing say sps allow submit via e mail help lot also give proof receive document much better fax amount money say behind incorrect payment figure wrong months becuase mess escrow analysis write tell finally mess payment amt correct payment per mo per mo transfer sps sps use incorrect amt even think hey clearly see statements even sps statements show amt ok months modification please help ruin credit credit score begin hardship last year make normal payments credit score go clear violation right run rough shoe one listen good people leave home mom house raise boys house want modification say need months statements last batch send underwriters could decipher income deposit even think deposit amount match income statements exactly employ years good income tax return order primary home beg help file sps thick keep correspondence file foreclosure ask copy note find',
 u'hello place auto repossession credit report dispute credit report agencies claim verify information credit report agencies give name address creditor supposedly use verify information direct mail dispute letter directly address give credit report agencies send letter via certify return receipt confirm dispute letter deliver date n hear anything back',
 u'decrease monthly payments try work better payment term privet student loan offer help n car house live roommates month fee clothe pay almost month interest payment want loan modification make payment affordable consolidation loan pnc outright refuse type help say make much money despite loan payments rent consolidation efforts make company end tell n make enough money help co signers go bankrupt live grandparent hospital n live like adult owe much money school try become delinquent far manage make payments edge',
 u'get flexible payment options im former student take loan promise job placement never receive im stick loan pay back please help',
 u'monday pst contact sear credit card inquire charge renew credit card speak representative could nothing apologize able help csr could access account unexplainable reason suddenly transfer another csr representative immediately ask personal password confuse allow ask personal password suppose identify ask answer certain secret question previously set inquire ask personal password tell way feel suspicious speak transfer believe sear credit card service many hackers identity thief today experience decide something wrong ask speak manager precisely someone higher manager whose name get phone immediately defensive borderline rude keep interrupt would allow clarify situation basically unhelpful never raise voice say anything inappropriate even ask language certain understand try ask think maybe matter semantics language manager would acknowledge case make feel hesitant release information representatives case refuse neither help clarify concern solve issue quick let know everyone follow script ask question write understand extent work script also teach listen customers may reason question everyone call scream yell lodge complaints purpose call want clarification personal password request conduct business accordingly get conduct business get answer question tell manager way read script verbatim ask customer personal passwords opinion utterly ludicrous exactly identity theft begin realize go assist formidable way shame simply say thank nice day hang get involve hack situation breach security issue especially know certain actually speak want report believe represent well sear credit card service want see people personal account information compromise toward possibility identity theft representatives forget consumer well n provide good customer service care put personal account jeopardy end believe talk credit card company talk credit card company probably go back review call center location practice write script promote jeopardize customer account concern sear protect concern personal security bring question things lack professionalism identity theft good customer service also seriously question business ethics consider change service',
 u'loan service take loan claim months behind payments documentation cash check represent months service apply payments correctly',
 u'summary prospect home owner want local region metro finance home choose upon process loan finance want feel need question loan circumstances situations pleasure walk loan sell control since transfer loan receive adequate service lender loan servicer locate state accessible local accessible area allow incorporate question concern mortgage someone speak person say lot handle future home deprive force choice accord call call center speak dozens individuals half tell something different others say consistency call center whereas pay phone bill credit card check bank account home shelter dwell intent save home however dozens denials many inconsistencies base upon documentations really appal last relations manager account work effectively efficiently save home rude loud talk speak hostility voice several time ask new relations manager however result back contact tell enough income document yet work second job tell make much modification home verbally majority document least would contain signatures name original loan payment begin end mortgage payment assistance real modification one receive document deny without signature name deny one approve dollars monthly mortgage without signature name approve say sincerely resolution default loss mitigations department many inconsistencies speak many individuals bias decisions lead point mayhem sincerely damsel distress',
 u'company deny dispute charge subscribe addition retrieve statement last year',
 u'purchase car finance vehicle gateway one lend move reregistered vehicle transfer title new state obligation lien holder move last year gateway n move title time loan pay title fee n pay car gateway inform leave title six months prior would get title submit new title pay fee do lien holders since incompetent job move title even sure get clean title since state still gateway one list lien holder vehicle',
 u'initial mortgage offer refinance payment much original mortgage due pending mortgage deficiency sell mortgage one subsidiary seek assistance assist refinance refuse refinance mortgage tell receive paper work late however correct request document send submit within time frame require simply refuse work behalf addition would appear intentionally cause mortgage become default result sell time sell mortgage negligent fiduciary duties disclose file complaint agency consumer finance refuse work action result property sell without consideration need ability finance attempt save home obtain court order result vacate property later action cause loss home extreme emotional distress absorbent monetary loss financial hardship appeal assistance remedy respect issue raise complaint thank advance kind consideration concern matter kind regard remain',
 u'struggle throughout entire life mortgage borrow investments help move cost home owner expense years mortgage qualify somehow buy house timeframe get thankfully sign return grateful work lot overtime company reorgs downsize financial meltdown economic disaster use issue get fire start fulltime employment months ago good thankful take find job apply state aid unemployment run move house kid move dads mortgage originate fha possible others year constant struggle avoid foreclosure co offer house list almost year hard time reach need refill form etc another financial hardship work tax process pay tax attorney company represent',
 u'vehicle repossess n think fair lender repossess vehicle collateral still earn money result deficiency compensation collateral collateral deficiency also leave message company repossess vehicle allow come get personal property return telephone call consumers treat disrespectful manner',
 u'problems customer service daughter attend nc upon graduation immediately begin get call corp assume fro credit card get first attend college tell dd student loan immediately contact tell pay loan tell daughter private student loan co sign student loan complete fafsa immediately begin tell need pay loan would daughter investigate fraud imprison request confirmation sign loan refuse ground loan contact school tell documentation loan disbbank ement daughter shortly loan place credit report score drop significantly contact place employment ask obtain work number csr tell credit issue company could obtain financial employment information anyone ask verification sign loan refuse also ask loan defer since full time student tell possible since loan mine ask remove credit report request also refuse csr say could always daughter investigate fro fraud imprison pay finally default loan credit report refuse send documentation contact repayment tell would glad send documentation loan pay pay loan full later receive page loan application contain neither signature daughter instead signature line type sign electronically school certification section completely blank except fot school id code signatures school official application information form university additionally original loan request far exceed would cost daughter attend public university commuter stay family members time issue loan annual salary way could afford loan daughter also receive fafsa time scholarship place employment loan would completely unnecessary',
 u'credit card auto pay include car payment credit card na south dakota process home depot credit get late fee put collection transactions fail money seem able access n ca n access cardi never auto pay fail point ca n trust explain many time reps want keep update auto pay write letter never hear back must get call every sunday last four months send demand letter copy attach demand letter need address sstate say give teller also make address register agent clearly available n want talk least right serve na south dakota branch manage credit card register agent want clean relation home depoti want clean late fee card home depoti want compensation credit damage call misinform talk old want compensation negligence advertence issue late charge would mount customer service conflict data current information customer service arm half truths cause conflict pay fine',
 u'behind mortgage due speak mortgage company tell make payment towards due amount help suspend apply towards entire balance full payment receive situation tell amount willnot apply towards total balance owe incur interest hold amount sure legal need help understand legal',
 u'acct xxxxxxxxprevious complaint xxxxxxxxoriginal hamp loan paperwork send include name original co signer loan original co signer hold interest property quick claim deeded office show name deed loan modification take consideration co signer income information utilize final contract paper send name solely however recent mail regard current operational aspects loan continue contain previous co signer name verbal conversation tell despite sole signature current loan document accept responsibility original co signer would still loan effect admit intention ever remove second borrower loan tell prior verbal agreements make assure incorrect past information misrepresent correct answer despite sign would remove refinance loan therefore tell paperwork request sign willful misrepresentation fact design get signature finalize fraudulent modification prior conversations past customer relationship manager representation make upon completion final loan document hold signature alone original co signer would longer loan verbal agreement make occasion tell something completely different willfully misrepresent position effort obtain signature guise loan modification tender name original co signer agree',
 u'use mortgage company website set online payment usually month payment set pay receive email confirm successfully set payment usually n take account day request n happen right away n notice reconcile account last week notice still n come get concern log website say still owe payment also notice confirmation email n arrive make seem impossible payment come time since weekend email concern hear back call today treat badly representative assume lie even ask forward confirmation email receive earlier trouble understand finally say late charge add want make payment say would make payment online cost less say wait days call n want pay upset attitude fact pay online payment set time trust take payment accurately worry take twice communication always poor try hard stay current treat badly',
 u'years old female hold conventional fix mortgage live ny primary residence since interest mortgage past years request modification reduce interest payments complete form submit least package go former consultant ny woman help people like submit document inform process submit escrow payment monthly status move full time retiree whose income primarily annuity disbbank ement since retire submit hardship document still without success fully employ tell income high retire accept part time assignments teach give last semester class semester receive none however still able pay escrow work save work life retire live though different level live prudently frugally time believe make headway process consultant change well location make wonder whether documentation send transfer next make doubt process think honest recent consultant make clear apply complete document offer guarantee success mean engage process destine frustration mean cruel game intend oppress frustrate give short sale turn major asset life government readily help survive quick bailout see reciprocation ceo still get big bonuses little people get squeeze oppress thankful understand plight little people little elderly people like yesterday fax document verification benefit award letter today im telephone non receipt even though another mail admit receipt document process need humane terrify computerize program beat beat beat ones mind drive home leave',
 u'state time receive information need request attorney complete title search confirm title clear order proceed dil review notify decision request information receive attorney since correspond relationship manager addition call representatives contradictory status information result confusion sign tax document close document release document advise last document sign attorney office represent thing remain final title search make sure clear last document sign initially submit attorneys claim miss document go office sign document need accept complete sign document tell another title search would take days point clear would close deed lieu application time speak representative ask time days last week thbank day tell title search do need submit months statement submit application spend months provide document would deny astound turn events continue get runaround persistent delay tactics call representatives assign relationship managers provide wrong information status application request information already provide today receive call say contact new relationship manager previous provide erroneous information pertain final status application feel provide information request require provide additional information also ask representative home speak today return copy document submit date concern private information properly secure especially since confirm submit',
 u'consumer serious mortgage problem try explain best buy primary residence california back interest adjustable rate mortgage loan grant extinct acquire time work could afford type loan market crash market immerse debts start work local loan modification office office could get initial modification note everything run smoothly mortgage payment california senate bill force company work close door leave without income say behind mortgage several months time look job several months get hire mortgage company soon transfer service service llc institutions hold note primary home though clear owner note either nevertheless try new modification servicer mention two years servicer keep request docs months tell case review every time call talk several relationship managers far debt grow every month hard repay without plan meantime receive nod time run come believe servicer lead believe consider request good faith reality march foreclosure process see quickly turn loan modification foreclosure sale please help find answer late family send package sls thank much',
 u'story enclose upload document send various congressional state representatives include department justice',
 u'hamp loan current raise lose job ability drive earn live afford need help please contact question',
 u'credit card use card buy last pay use card choose month interest buy keep minimal payment month months send check pay expense come late fee statement every month till last statement wife write check pay another total follow statement write another check payout balance month statement come hand find mis statement another still keep count late fee interest spend balance count purchase plus late fee interest every month charge month interest minimal payment plus payout check simply ignore payment even pay want pay back close account ask investigation shut business case continue steal money people',
 u'loan hyundai motor finance hmf account number request payoff begin give payoff amount owe pay payoff amount give post hyundai motor finance hmf indicate lien release would send within weeks would excess payoff receive neither call hmf within days receive lien release excess payment call hmf say would refund excess immediately call tell check send close business today receive refund please assist refund issue addition question typical practice hmf many many customers never receive refund thank assist provide ky',
 u'father veteran recently van break need replace father receive benefit va fund purchase van n need brand new vans car lot find great deal individuals lose love ones longer need vehicles problem run vehicles appraise kelly blue book loan bank consider adaptions add even receipt equipment add vehicles try purchase still deny plain van book add amaze dealers sale car lot go right someone need sale hardship father need want go buy car someone sick father people ca n sale anyone bank wont loan',
 u'take loan years ago somehow wind pay monthly payment pnc demand balance loan pay back immediately although loan years pay payments time recently receive letter attorney pnc force sell property pay balance find addition balance loan ask pay administration fee lawyer fee pnc decide hire lawyer ask foot lawyer bill pay able close sale pay loan balance nothing extortion really another issue concern may cloud title property legal mingle please contact soon close upcoming point proceed open issue thank help',
 u'write lodge formal complaint regard sudden unjustified closure td cash reward credit card account open td cash reward credit card account promotion attach account earn cash reward statement credit eligible purchase td cash reward card eligible purchase include din groceries gas cable phone utility bill payments first months account open everything fine first months however month grocery store purchase make earn cash reward call inquire miss reward without notice advance credit card account get cancel',
 u'customer since open check save credit card account issue credit card account apr percentage go speak account manager account specialist lower apr tell promotion available account could n anything reason apr increase bad economy economy recover yet refuse lower apr feel wrong treat loyal customer',
 u'recently close va finance representative deal supervisor tell e mail record conversations refinance mortgage would allow skip payments mortgage old lender mortgage company new penn financial ask could skip payments already pay full amount payment however say need payments could skip base loan finance close ensure would get full payment back include part payment final settlement reimbbank ed partial return payment make return payment leave escrow account short contact request balance might consider lot money lot money seem get run round company commit fraud definite deceptive trade practice want file formal complaint',
 u'attend workshop mortgage opportunities spark interest ability close loan interest rat low describe spend months prepping wait receive appointment consultation consultation meet outline main goal purchase home interest rate next several months consistent email correspondence documentation emphasize goal buy interest rate point months communication inform lender inability follow advertise agree upon interest rate buy program receive loan approval contact make day buyer contribution today interest rate mind buy interest rate sign purchase contract put earnest deposit account crucial complaint specifically write purchase contract earnest monies deposit escrow account use buy interest rate conventional loan program satisfy conventional loan loan purchase contract provide lender without dispute contact concern regard earnest deposit amount write letter explain confidence earnest deposit decision contact list items request lender show representative underwriter view file full email chain communication day write also need know much go use buy interest rate response buy interest rate way whatever cost fund concern regard earnest deposit amount express respond explain understand risk confident decision monies would spend buy interest rate friend begin process say state workshop longer possible buy interest rate point months communication employee suggest would ability buy interest rate realtor immediately contact conversation shortly end state would longer able assist matter due become legal issue email forward verify buyers buy interest rate total point days later explain issue due dodd frank hoepa laws lenders aware new hoepa propose change communication buy goal come year effective change party adequate time notify change specific policies would affect service loan receive predatory fraudulent deceptive precisely definition bait switch choose standard live drastically different due significantly higher monthly payment originally intend ultimately cost nearly interest detail description situation supply complaint letter format well copy mention additional communication documentation need',
 u'file remodification approve principal balance interest rate reduction tell fha loan eligible consider pay attorney take care property underwater request letter week half ago never eived',
 u'hello suppose receive frank dodd every year years program include incentive reward borrowers receive permanent home loan modification pay mortgage time every month borrower receive annual principal reduction payments amount contact customer service several time useless nobody give straight answer last year receive incentive reward great difficulty year nothing receive',
 u'try schedule loan payment latest date financial website would allow schedule schedule payment call customer service tell computer system would allow payments schedule maximum days advance could change payment date try reschedule payment could n call customer service customer service representative say would payment date change also instruct check website make sure change make payment date change payment still n debit check account call customer service explain everything payment reschedule customer service rep name say maybe payment n process sunday instruct wait payment still n debit check account call check payment still n clear check account call customer service could n get call everyday keep get rerouted telephone loop send e mail customer relations explain could n reach customer service telephone finally get customer service rep name say receive information telephone trouble give telephone number research team could see payment account schedule n process also give confirmation number payment call research team explain send e mail customer relations could n get tell could n see payment would research call research team speak tell could n see time payment attempt set automatic payments n go explain never try set automatic reoccurring payments time payment ask speak supervisor tell capable handle situation agree additional research do soon finish conversation call customer service speak tell could see payment would supervisor take care late fee assess would reverse receive letter research team date state payment date select time payment schedule responsibility customer input enter go change payment date input error commit responsibility want payment post mortgage account want post want fee relate post payment reverse do due diligence try resolve matter let figure process payment meantime want payment post',
 u'case number case number receive letter file date say settlement amount time respond till call tell close file contact time tell settlement amount even letter show money need pay sure conflict information question close file time till reply call pay settlement amount finish issue inform thing work without let know pay please help letter show talk need help need know close file without let know pay thank time help',
 u'mortgage loan w pay right along since xxxxi notify payments behing loan immediately find receipt take local branch show manager tell cash pay teller counter loan teller write post wrong payment amount account reverse payments easy enough fix mind pay payment go pay payment would accept say already send loan attorney nc two week later payment come back check loan would pay full months leave pay time constantly make contact w different locations departmentstrying desperately find someone would step take authority help payment slip send time different people prove behind payments finally find confirm phone correct date payments apologize trouble send account mortgage dept get things set right tell pay anything either loan still continue make contact say n rectify problem could understand delay also want put document record communication begin take date people name realize note communication make transpire phone contact could n take stress loss sleep worry get run around circle months husband continue fight upon try get back tell resign back square one much contact transpire today help set situation right contact state attorney tell payments apply take fee accrue mistake pay truly owe loan also get lawyer expense help rectify mistake receive letter state sell loan tosls supposedly problem sls tell still owe back accrue late fee attorney fee problem cause fee accumulate xxxxxxxxaccounting errors suppose responsible even try offer sls fair settle amount one time lump payment handle situation act like n even hear hop able tell take home also try get let begin pay loan without fee impose mistake still n respond pay home years children lose due unreputable dishonest please help unfortunately way scan upload payment receipt proof good faith commitment repay loan',
 u'first temporary financial setback try work card mitigate situation seem get worse matter say ignore try set payment many time say ca n commit pre arrange payment listen repeat question set payment people must type commission relentless listen respect consumer like make arrangements sure fulfill feel pressure usually depress get phone phone call last hour second leave message answer machine say type save opportunity aware everybody within earshot know call behind bill something want share rest world last last phone call speak representative tell past due days confuse know behind account representative say start delinquent one day last payment make partial payment find confuse true market technique put fear cardholder mind worse think true legal thank need clarification delinquency issue',
 u'take mortgage later next year file chapter bankruptcy though stipulate desire reaffirm mortgage call bankruptcy trustee ultimately allow continue make payments throughout process discharge write request start send monthly statements stop automatic stay put place result file resume send next years never miss payment report payments credit bureaus mortgage sell nightmare begin immediately send statement label informational since bankruptcy protection nevermind fact bk long since discharge even fall credit report call repeatedly ask remove language send statements normal refuse issue issue try sell house way would n even know unemployment cause fall behind intend sell home find solicitation attorney copy file days sale understand present notice cure default detail list much would take reinstate loan along days explore options never receive notice period consideration still know much would cost reinstate loan n tell still n despite notify relationship manager fact never receive notice information regard sale relationship manager appointments available speak days schedule foreclosure sale day notice cure default certainly day notice sale go forward reach folks make home affordable wonder ever solicit hamp modification admit solicit hamp modification well could send application sale schedule week today deadline submit applications business days prior sale may submit application could say whether would accpeted act upon since fail submit deadline know never tell would n consider postponement n anything representative could think help speak hud counselor tell conference call cut say sound like legal avenue best available yes indeed legal remedy non judicial foreclosure state like texas do compel least restart notify properly hire private attorney file injunction claim improper service hope best regard attorney fee precious homeowners face foreclosure cash require litigate willfully refuse refuse know people n resources make occasion fork k attorney fee lot cheaper give individuals opportunities law afford apply hamp consider cure default even conduct orderly sale home since nobody make file',
 u'already place complaint problem escrow account would like add still get continuely computer issue computer cant see account limit access system maybe could call tomorrow also state receive paperwork certainly send proof request escrow account deficit meantime fall behind accept payments never get help',
 u'please refer original complaint file see response ally attorney reach agreement would pay payment would reflect settlement full credit report wednesday show pay settlement write correct car collateral balance nothing show write settlement amount send court balance reflect pay settle',
 u'receive bad information loan file bankruptcy knowledge loan give another agency list close credit report battle back forth loan try sue',
 u'home depot push credit card buy refrigerator state would interest free six months end introductory period pay initial charge remain balance statement charge interest call home depot inquire tell interest free first months interest would charge entire initial amount word force pay interest approx previously pay end introductory offer believe legal think home depot fleece customers please advise practice fact legal thank',
 u'credit card default card call settle tell cant write bad debt send back send old address request copy still report balance credit bureaus',
 u'cancel autopay ask late fee tell day grace period late fee would post rep action info breathe sigh relief ask speak supvsr give compliment autopay go thru anyway call rep state autopay cancel post system yet show reversal call back call explain entire situation time tell could reverse would put acct late status regardless day grace period ask supervisor rep hold long attempt get supvsr acc policy would end call allow hold longer call time tell cancellation two business days prior schedule autopay effective speak supervisor tell nothing could do ask supvsr tell one else could help financial difficulties check acct different overdraw pay approximately overdraft fee prior think take care pymt ask verify address address city state never life say make correction case call still wrong address far think address correct still wait answer happen wrong address receive stmt reason cancel autopay begin',
 u'send letter state reach agreement federal government program forgive part loan forgiveness would effective letter also state even sell house pay loan full still eligible forgiveness long sale payoff complete forgiveness process call shortly receive letter tell assure staff member forgive part loan would effective process sell house set escrow close date date base information provide shortly escrow request payoff give original payoff amount call find payoff n reduce staff member tell still n process n eligible sell house speak supervisor tell thing staff members tell business give away money loan n qualify forgiveness sell house maintain loan read letter receive advise would research issue could take week get answer finally agree loan eligible forgiveness numerous followup phone call loan forgiveness would process nothing could expedite process call back get help another department work department justice tell loan set process end tell ca n give date process mislead lie several staff members due process delay buyers home threaten potential law suit sellers home buy threaten cancel sale issue n get resolve quickly delay lack response misinformation put party involve sale house financial bind need loan forgiveness process immediately expense incur possible cancellation law suit process delay continue',
 u'monday pst contact sear credit card inquire charge renew credit card speak representative could nothing apologize able help csr could access account unexplainable reason suddenly transfer another csr representative immediately ask personal password confuse allow ask personal password suppose identify ask answer certain secret question previously set inquire ask personal password tell way feel suspicious speak transfer believe sear credit card service many hackers identity thief today experience decide something wrong ask speak manager precisely someone higher manager whose name get phone immediately defensive borderline rude keep interrupt would allow clarify situation basically unhelpful never raise voice say anything inappropriate even ask language certain understand try ask think maybe matter semantics language manager would acknowledge case make feel hesitant release information representatives case refuse neither help clarify concern solve issue quick let know everyone follow script ask question write understand extent work script also teach listen customers may reason question everyone call scream yell lodge complaints purpose call want clarification personal password request conduct business accordingly get conduct business get answer question tell manager way read script verbatim ask customer personal passwords opinion utterly ludicrous exactly identity theft begin realize go assist formidable way shame simply say thank nice day hang get involve hack situation breach security issue especially know certain actually speak want report believe represent well sear credit card service want see people personal account information compromise toward possibility identity theft representatives forget consumer well n provide good customer service care put personal account jeopardy end believe talk credit card company talk credit card company probably go back review call center location practice write script promote jeopardize customer account concern sear protect concern personal security bring question things lack professionalism identity theft good customer service also seriously question business ethics consider change service',
 u'home depot push credit card buy refrigerator state would interest free six months end introductory period pay initial charge remain balance statement charge interest call home depot inquire tell interest free first months interest would charge entire initial amount word force pay interest approx previously pay end introductory offer believe legal think home depot fleece customers please advise practice fact legal thank',
 u'write let know shady business practice sign express gold card order receive miles receive card mail inform since previous card holder express years ago n eligible point request close card immediately customer agent inform since qualify miles bonus also affect card membership responsible annual fee positive bury reference exception fine print never point inform exception furthermore customer service rep tell apr would since n qualify promotion suppose top still allow open credit without inform credit card open pay fine blemish hurt credit protection common man point ability big business manipulate common man become form racketeer much money make tout shady promotional offer come home kind treatment ask stop fraudulent practice futhermore contact congressional office point regulatorydept respectively card',
 u'card company call employment location demand past due payment social security number check account number harass employment location',
 u'hospital battle hospital friend watch home make sure bill get pay arrive home hospital come home friend disappear stack mail vacate notice sheriff mortgage lot information understand relocate california work time go dealership obtain car surprise credit card credit report show owe time take credit card file application make payment transact business card date dispute card least time surprise thing keep say file card complete application online make payments verify public record show live address word everything hinge upon address record ask settle matter ask sort resolution ask copy receipt etc signature point refuse provide information validate please help',
 u'case number case number receive letter file date say settlement amount time respond till call tell close file contact time tell settlement amount even letter show money need pay sure conflict information question close file time till reply call pay settlement amount finish issue inform thing work without let know pay please help letter show talk need help need know close file without let know pay thank time help',
 u'credit card default card call settle tell cant write bad debt send back send old address request copy still report balance credit bureaus',
 u'credit card auto pay include car payment credit card na south dakota process home depot credit get late fee put collection transactions fail money seem able access n ca n access cardi never auto pay fail point ca n trust explain many time reps want keep update auto pay write letter never hear back must get call every sunday last four months send demand letter copy attach demand letter need address sstate say give teller also make address register agent clearly available n want talk least right serve na south dakota branch manage credit card register agent want clean relation home depoti want clean late fee card home depoti want compensation credit damage call misinform talk old want compensation negligence advertence issue late charge would mount customer service conflict data current information customer service arm half truths cause conflict pay fine',
 u'first temporary financial setback try work card mitigate situation seem get worse matter say ignore try set payment many time say ca n commit pre arrange payment listen repeat question set payment people must type commission relentless listen respect consumer like make arrangements sure fulfill feel pressure usually depress get phone phone call last hour second leave message answer machine say type save opportunity aware everybody within earshot know call behind bill something want share rest world last last phone call speak representative tell past due days confuse know behind account representative say start delinquent one day last payment make partial payment find confuse true market technique put fear cardholder mind worse think true legal thank need clarification delinquency issue',
 u'customer since open check save credit card account issue credit card account apr percentage go speak account manager account specialist lower apr tell promotion available account could n anything reason apr increase bad economy economy recover yet refuse lower apr feel wrong treat loyal customer',
 u'credit card use card buy last pay use card choose month interest buy keep minimal payment month months send check pay expense come late fee statement every month till last statement wife write check pay another total follow statement write another check payout balance month statement come hand find mis statement another still keep count late fee interest spend balance count purchase plus late fee interest every month charge month interest minimal payment plus payout check simply ignore payment even pay want pay back close account ask investigation shut business case continue steal money people',
 u'company deny dispute charge subscribe addition retrieve statement last year',
 u'write lodge formal complaint regard sudden unjustified closure td cash reward credit card account open td cash reward credit card account promotion attach account earn cash reward statement credit eligible purchase td cash reward card eligible purchase include din groceries gas cable phone utility bill payments first months account open everything fine first months however month grocery store purchase make earn cash reward call inquire miss reward without notice advance credit card account get cancel',
 u'home flood bathroom sink pipe break away financial hold insurance payment long ago pay home insurance company work almost entirely complete still n send initial fund pass paper around internally request document already send miss deadlines fail communicate appropriately less loan value property yet still withhold check repair complete several time claim check way find later still give honest answer call daily put different person phone time supervisors call back pay money pocket repair days project seem end sight ability keep defer things hobank days etc problems create end',
 u'holder mortgage request loan modification servicer inform refuse loan modification request would like know refuse allow loan modifications',
 u'apply loan modification bsi ileft several message bsi include message accountspecialist account manager one return call finally get customer service either hungup put hold extremely long time bsi acknowledge receipt application able finally get eachtime representative state n information several fax confirmations confirm package wasrepeatedly send also make payments bsirefuses acknowledge anything consumer finance dowill greatly appreciate want lose homesimply bsi refuse communicate',
 u'may concern write complain home equity line credit mortgage loan appeal twice problem loan date several payments miss never receive notification learn payments behind go online account immediately call determine receive notification first miss payment let alone time receive single notification boa previous months payment overdue electronic mean confirm representative phone correct email email use years note receive electronic notifications alert problems account credit institutions address inexplicable never receive notification even late payment boa travel frequently overseas rely electronic notification financial institutions receive notice late payment would expect would remedied immediately let alone late payments immediately pay full amount arrears plus payment monthly payments call representative refund late payment fee recognize oversight least electronically notify past months could explain function properly impression previously arrange auto payments account active go account month check payments go subsequent settle matter learn credit bureau notify miss payments although pay full amount fail inform credit bureaus settle matter late thus damage credit appeal regard matter state really notify late payment let alone think automatic payments set give representative admit time understand notify electronic notifications email feel guilty matter note account current thus isolate incident despite appeal repeatedly respond generalize letter state review credit report confirm information give credit agencies accurate however answer complaint question inform nearly months whether obligate inform client within days days client miss payments case due technical error report part would appreciate assistance matter help remedy matter seriously impact credit remain report next years accord credit agencies unless inform otherwise thank',
 u'process go foreclosure search website trust sue instant action trustee mortgage asset back pass certificate et al case court florida look sec website trust n exist',
 u'mortgage loan gmac take loan last year since take charge time escrow acct tax call many time resolve issue response go review nothing happen tax years collect month total call address issue tell extra money leave return receive nothing thing ask rest money sit acct give answer right month already reach amount tax pay like know end year rest leave tell struggle bill money sit account control really live budget survive ssi money part time job tell case pay tax answer also principal rate monthly mortgage month rate feel like payment high',
 u'sell mtge reduce original amount combine mtges pay mtge contact refuse correct error',
 u'hold mortgage n last years receive letter notify sell mortgage effective letter date proper days notice require give consumers n receive notification letter give days respond change payment information time leave trip next day today still receive information even though transfer mortgage effective feel home owner notify lot sooner rush get take care last minute leave country trip light mortgage bank issue take mortgage payments seriously call get proper information need peace mind payment would apply correctly well entire mortgage account would nice get information timely manner require thank',
 u'decrease monthly payments receive university ny job want go back school could get federal loan say would get loan debt around trouble make payments',
 u'follow procedures process disbbank ed convenience check credit card individual account ex wife forge signature take money cause balance past year contact call go branch start process buy house wife realize credit account still show balance go several time since request convenience check show ex wife handwrite never power attorney authorization use account ex wife hide even court divorce custody divert correspondence find person commit tax evasion well proof plus things forge signature use social security without authorization inform issue suddenly receive cancelation debt form state show balance owe cancel still report credit bureaus balance account go wife connect call center request letter state balance cero account due cancelation debt representative state indeed send cancelation debt technically still owe money tell way still owe something write fraud allow ex wife forge signature note like try claim lose also keep book like still owe cancel believe also fraud',
 u'hi personal loan one main financial insurance loan work insurance make payments n get behind loan payments work contact one main financial let know work could submit claim one main contact set paperwork need submit claim claim process member company contact leave minute message phone message leave inappropriate message state gentleman phone start sound say hey love love big could play suck big hobank talk movies grandmas boy year old co workers office say watch movies message end contact district manager state complaint say would look felt blow conversation nothing do',
 u'mortgage service loan service llc go file tax find n receive mortgage interest call provide account statement keep tell account number exist property address call time thats n seem help feel frustrate fact weeks deadline file tax',
 u'purchase axx dodge ram truck time live financially stable make payments daughter give months early wife move help take care grandsons daughter stay well take job guy pay fine start n call chrysler surrender truck',
 u'participate credit counsel need submit service lcc fl via certify mail loan modification package write reason delay loan modification avail since ignore stall loan modification write letter intention loan modification contract home loan ca complete say modification note representative involve modification process inform make mortgage payments fact modification loan process representative later inform modification loan prepare require correct cashier check instead since onset modification process receive call letter notice foreclosure loose property delinquent payments meet etc learn oh disclose derogatory information numerous credit bureau result denial credit application date report partial payment agreement disclose know reference contention service llc debt collection division fail communicate mortgage account holder combination mortgage payment derogatory report credit bureau service debt collection division respond issue concern hereby request assistance regulatorydept',
 u'mortgage sell loan say behing since didnt resend payment back forth send payment receipt suppose let know everything ok still wait call',
 u'wife apply refinance mortgage lender mortgage conditionally approve interest rate year mortgage submit document request take lot time lender process document result slow response lender lender request additional document require additional time effort produce reveal negative information straw break camel back several months lender request tax return separate entities receive compensation since annual income consistence amount loan request refuse produce tax return entities list schedule personal tax return believe discriminate due age since income retirement income',
 u'mortgage co send escrow analysis forecast property tax would pay full call request copy property tax bill send send another analysis still plan pay tax full thus correct mistake tire deal let go pay additional monthly figure would resolve year escrow analysis fast forward receive new analysis plan pay property tax full time refund check attach call customer service line person talk say saw error tell new correct escrow analysis would send say deposit check receive new would issue receive business days today receive nothing normal monthly statement check online today next payment payable show erroneous escrow analysis approximately ought due forecast overpay property tax',
 u'name account americredit gm financial car accident car pay full due accident company pay list pay repossession car repossess pay immediately accident contact several time online well com yet resolve issue',
 u'try buy new car car dealer tell credit score low get best deal end cost least dollars always high credit score runied score own co act like company years delibertly try undermine yrs old spend years battle condo buy work n home mo time call tosay pay bill show want put dispute late meet home send bill request another one pay computer say ontime mark next day make late days late days late would never use card ever everyone tell include car company thios everyone need stop look score company pay full everytime would pay please get stop end owe money',
 u'worst ever deal regions mortgage loan ga team month half get loan close slack reason push close date yet week leave pay penalty cost mistake tell different close number phone call never answer email never respond days later try hard get things do get excuse cover mistake',
 u'file bankruptcy move put home major sewer issue file home bankruptcy mortgage company never forclosed property name still attach title home aware file bankruptcy ask go file forclosure say n know ask name remove title since bankruptcy say ask proof surrender property ask number fax give number call back verify number give different number never one set protocol handle situation tell sell house way get name title explain n home finanical responsibilty say yes tell although fianancial reaponsibilty still house',
 u'may concern l client customer longtime l would like help regulatorydept dubious issue due change financial income substantial increase expense obligations l decide respond correspondence send boa time l constantly charge late fee due pay every month occasion thirty days late l attempt respond occasion boa account supervisor per correspondence send l leave message neither call return bank practice previously sanction u department justice settle decide face face meet would better serve l decide participate require bank community reach relief locations help regard loan modification program however l could attend nj receive letter regard termination mortgage service believe boa deliberately refuse notify promptly via telephone email home address service obligations would stop within fifteen days confirm acknowledgement oddly weeks however receive boa account would change start understand letter go clarity belief inquiry regard fee lack major account fund account cause transfer loan although competent boa branch asst verify boa account qualify charge extra fee service home mortgage mortgage link account find mortgage would transfer disgrace ruse comply settlement reach u department justice reach disappoint service treatment boa additionally l try stabilize current financial situation believe face face customer service help oppose operate outside numerous integrity issue per customer base complaints would n help situation boa customer service need settlement compliance reach u department justice please contact threaten transfer loan end business day',
 u'approximately tuesdayaddressed mynamemyaddressre receive advertisement personal loan loan certificate day decision id number flyer one main financialbranch location nj xxxxxxxxreturn mail address envelope md decide apply small personal loan car need repair phone reference number speak customer service representative name ask reference id number take usual information apply loan provide name address work history digits ssn financial history etc homeowner apartment another location calculations information give say could borrow ask much would like borrow tell ask interest rate tell calculate base record afterwards thank explain confirm information would transfer loan consultant name gentleman provide telephone number speak confirm information give inform would contact employer confirm employment give direct supervisors name phone main number work inform soon confirm information would call back could visit even close loan hear back approximately wednesdayxxxx call inform could reach anyone college remember staff minimum give name phone number several minutes later call back inform well could come tomorrow even sign paper offer visit branch morning say appointment suggest close agree say would arrive hang realize second later n give information loan call back ask interest rate quote personal loan years monthly fix payment pause tell rate high say alright tell would see tomorrow create microsoft excel amortization chart interest rate quote year monthly payment call back tell tell options could add loan tomorrow night apparently quote assume customer sign without read ask send copy loan email word doc pdf file fax say could n mortgage ask speak manager say thing ask dead silence branch manager hang customer ask obtain copy contract stand make substantial profit customer opt add ons loan',
 u'problems customer service educational loan amount consolidate many years ago recently become aware remain unpaid balance amount appear credit charge contact attempt resolve matter explain different representatives balance remain result consolidation error never contact regard aware credit want resolve offer pay balance full however ask remove delete negative report credit report request longer appear charge pay balance full representatives tell even pay full balance would remove negative report charge status would reflect balance consider error part result consolidation think fair remedy tell take complaint company consolidate error politely explain another company would able remedy situation behalf remedy credit report easily see record consolidation pay another lender never balance intend ignore pay offer pay balance full need account status update reflect charge will cooperate actuality charge will still accept payment office another company reflect charge still account will accept payment upon make payment full will update pay close account would like regulatorydept follow matter unfair credit report practice',
 u'attempt make credit card payment payments submit immediately call paypal correct payment inform possible way correct double payment submit authorize payment',
 u'month unable make full payment charge account goodyear call goodyear credit attempt make type payment arrangement today late afternoon first time call disconnect call mid sentence call back ask representative hang prior call accident intentional tell representative busy today trouble line aware say would never hang want talk proceed disconnect call attempt contact time result give since want become frustrate call place make sure line cut phone call trouble call problem initiate go let go think become concern type tactic use people late payments allow currently ongoing complaint regulatorydept regard home depot also block access account online late follow block payment attempt make today online incidents verify representatives enough full payment difficult enough consumer deal trick top original problem wrong would appreciate check matter thank',
 u'negative escrow balance mortgage send mortgage company apply toward escrow switch home owners insurance carriers difference pay extra dollars apply toward escrow past months call least month since ask new escrow analysis do always tell order put receive something within business days time call previous order never complete apply total approximately toward escrow refuse recalculate monthly payments',
 u'file chapter bankruptcy make payments court trustee plan complete discharge court entire amount claim pay full interest however ally acknowledge amount pay wage earner plan refuse correct account balance creditors dispute information credit bureau receive confirmation account information delete matter resolve however later discover rather make correction ally instead report tradeline new balance dramatically impact credit score contact ally directly discuss problem representative name refuse give last name extremely rude make attempt helpful insist since interest pay ally would report account balance demand speak supervisor sure spell leave voice mail message report receive return phone call',
 u'xxxxvia certify mailcitimortgage inc mo xxxxxxxxbank n c citimortgage inc sd xxxxxxxxcitigroup mortgage loan trust inc new york xxxxcitigroup global market realty corp ny ca ca mi xxxxxxxx trustee citigroup mortgage loan trust inc xxxxattention citimortgage inc loan property address ca xxxxfirst notice demand cease desist notice rescissionto may concern reserve right regard matter hereby rescind reference allege loan letter demand address entities cease desist foreclosure proceed reference property previously request documentation list respondents stand non judicially foreclose note deed trust proof owe anything entities pay monthly payments allege loan years include pmi insurance lead believe receive loan believe large scale scheme defraud good faith sign allege loan document without inter alia disclosure intent list entities securitize note thereby allow many entities amount state note demand monthly payments mislead borrower therefore demand follow cancellation post trustee sale note account charge fee associate figure quote notice default notice sale proof reference entities right non judicially foreclose behalf legitimate loan holder establish chbr proof actually owe money citimortgage inc entity govern yobank elves accordingly sincerely cc consumer financial protection bureauxxxxxxxx iowa xxxxvia fax xxxxxxxxoffice comptroller currencyocc customer assistance groupxxxxxxxx tx',
 u'lose misplace misposted worth payments present also charge forclosure never actually occur fee suppose remove loan modification provide statements separate occasion different escalation specialists provide confirmation ocewn receive accept payments however state never make payments even furnish proof report days behind actually suspense account bounce around months different escalation specialists still resolution need help',
 u'unwarranted charge include credit card statement late fee interest charge bofa representative phone conversation agree remove charge would reflect next statement bofa statement receive charge remove charge speak bofa morning tell would remove account show next statement shall see charge unwarranted idea charge act ethical honest business manner may oxymoron diligently examine statement bofa would benefit unjustified charge doubt magnify countless unwarranted charge dispute clients',
 u'currently loan service service llc obtain mortgage prior try several attempt qualify loan modification recently circumstances change husband decide file divorce make income use next decide list property short sale find approve buyer property complete request relocation assistance become aware short sale close homeowners primary residence would entitle go make home affordable website confirm saw meet criteria eligible fund website state follow may eligible hamp meet follow criteria financial hardship struggliing make mortgage payments delinquent danger fall behind mortgage obtain mortgage property condemn owe primary residence unit rental property loan limit higher unit properties convict within last years crime connection mortgage real estate transaction however state schedule sale date within days homeowner longer allow receive government assistance work qualify buyer since submit document timely within days sale date deny consideration fund even though complete package days sale date speak lenders case believe also numerous homeowners really need government assistance program design request consumer financial protection bureau seriously investigate current practice believe breach help struggle howeowners legitimately need assistance thank time help assist matter',
 u'end apply refinance home apply exist mortgage exist heloc td refinance cash debt consolidation receive loan decision notice term apply change notify term request change simply change application keep subordinate current approval change pay full contact n think could change mortgage applicaiton w notify without indication immediately change back even though comment n qualify close loan submit months ago circumstances change loss income increase monthly obligations contact realtor find house n worth near appraise value time refi contact due delinquent apply assistance modification term p payments soon principal interest afford weeks call return phone call td state would roll late fee mtg amount would modifiy p payments say make much house gross income tell look residucal income pay mortgage would enough provide family basic human live requirements heat electricity grocers car get back forth work etc',
 u'mortgage company fail provide sufficient notice prior foreclosure notice receive notice foreclosure less days prior foreclosure time submit loan modification document time dispute say debt notify foreclosure date immediately send complete loan modification package tell submit days prior foreclosure fair credit practice act rushmore notify least month prior foreclosure action dispute say debt',
 u'fraud mortgage company comply obama law mortgage receive false document ask copy tax receive paperwork name incorrect address increase escrow believe try cheat time give loan mod stipulations plus principal reduce water house time worth owe move address years never receive documentation take loan ask original document provide always send form excuse tire every year always increase payment keep send paper work false documentation one hold accountable enough',
 u'buy mercedes vin exchange put trade vehicle vehicle many problems needle say car worth talk company exchange something else maybe get fix n want help period supposedly already buy week tell vehicle sell even part company belong sell since n want help way decide surrender vehicle back get letter go auction still pay outrageous total look pay surrender vehicle due lack help car company mississippi also trade vehicle well need solution problem help situation',
 u'contact place employment collections department numerouse document request contact cell employer background prior mortgage payments due contact request asssistance mortgage email record phone call disclose record clear direct td call cell receive email co worker say td call different departments employers try reach return call td tell contact information support email record phone call contact information cell phone ask td contact place employment',
 u'trouble payments handle university misrepresent zombie debt credit report well attempt collect debt outside tennessee statute limitations accord letter receive account bring current first payment due attempt disguise misrepresent zombie debt current collectable attempt collect debt legally entitle',
 u'defend property fraud years case dismiss discoveries clearly allege complaint exactly confederate file forge document violation consumer fraud statutes also use document court fail validate proper stand pbank uant see case issue appear unaddressed court entity exercise power sale must authorize authorization exist file false forge document subject civil action penalties file false forge document subject criminal action deed trust consideration give note interest transfer pay full deed trust interest stay effect bifurcation arizona note deed become separate note unsecured mortgage unenforceable transferee secretary state arizona notary fail keep journal accordance failure discharge fully faithfully duties notary public st non existent entity interest leave transfer assign via nd write authorization beneficiaries include mandate rd indication authority sign th indication fact prescribe power indenture trustee behalf holders th valid beneficiary assignments invalid th last allegedly valid record beneficiary note transfer away deed trust th note represent securitization trust must accept valid transfer interest note th recontrust properly substitute trustee valid beneficiary define valid trustee statute th substitution trustee arizona assert interest real property contain material misstatements know false th notice trustee sale date also violate contain false statements regard identity claim trustee beneficiary th notice sign valid trustee appoint valid beneficiary valid notice th prior corporation assignment deed trust execute nowhere record document appear entity become beneficiary note deed trust th make bold assertions note place asset back certificate trust trustee fraud vitiate everything fraud county record harm damage',
 u'write behalf client railroad bsi financial service firsthand knowledge unethical behavior service company meet give run around loan modification months months ruin credit file bankruptcy prevent foreclosure meet engage bsi short sale right away start break local federal laws first demand control price property threaten tell list property unrealistic amount cbank ed point call intimidate already frighten pregnant homeowner file receive offer despite provide evidence large repair need property refuse drop price could secure buyer time pending foreclosure sale date escalate file make phone call convince postpone foreclosure sale date move sale date week away f c sale date threaten price home even submit ask repair estimate drop price repair estimate come offer come try force list property reject offer state need offer become clear intention fairly work short sale accept offer keep move target price term email constantly let know agents view home move forward due condition home meantime homeowner stress go early labor almost days intend foreclose leave baby homeless receive offer want price repair home unethical unfair heartless unscrupulous deal dual track intimidation also try slip shady fee force agree get sort fee list side read online expect receive email message state need sign addendum list agreement assign list side commission party unspecified service render plus process fee would explain furthermore reduce commission thereby increase net proceed seller side hud could consider rebate violate rebate prohibitions may subject civil penalties may consider illegal kickback usc ss may violation real estate settlement procedures act respa homeowner railroad broker railroad believe laws protect type deal federal lawsuits research bsi online wonder company allow continue horrible things see say',
 u'dear regulatorydept representative pay mortgage time well tax insurance without need escrow account per mortgage note wind defend foreclosure threaten service mistake make reflective inability effectively lawfully service mortgage documentation attach end well response apparent escrow fraud still occur accidentally pay approximately county property tax already pay time evidence attach clearly mistake representative recognize huge amount immediately charge person mortgage account nonetheless recognize rather open escrow account loan due erroneous delinquent tax pay tax every apartment build sole mortgage account seem absurd call report mistake finally acknowledge write see attach repeat erroneous action believe hire outside assistance help rectify issue threaten foreclosure really could threaten foreclosure payments pay time mistake make admission crazy assistance hire would like reimbbank e since refuse correct mistake months count without help able get close escrow account past days still hold payments escrow suspense account reason fraudulent reason since never escrow account spend almost year try fix mistake would like hold accountable unfair abusive mortgage service practice threaten foreclosure mistake correct almost year also would like reimbbank ed expense fee pay correct mistake include hire help associate fee since make pay fee fraudulent erroneous action fact like fee associate mistake past year reimbbank ed reconcile favor inexcusable would defend home threat foreclosure remain compliance mortgage note action fraudulent unfair abusive violate egregious abhorrent make pay stress cause thank advance time help matter please see attach validate aforementioned sincerely',
 u'back ask boa loan modification financially strap months late mortgage pymts boa tell credit short start forclosure months later send letter would modification less month yes sign realize add years mortgage look refinance find furious want yrs back want boa',
 u'apply auto loan deny bad credit history obtain credit report figure several account belong victim identity theft somebody steal personal identification information open account name file police report police department police report send police report credit bureaus creditors since get result credit bureaus refuse resolve problem call many many time ask block fraudulent account pay attention dispute talk fraud department introduce even go document send tell could redispute fraudulent account tell since dispute fraudulent account still result please help resolve problem credit damage reason follow account open name acc acc acc acc also please see attach police report',
 u'apply make home affordable program interest rate hamp tier tier mortgage lender sps last months difficult time pay mortgage try best stay afloat expense increase make end meet exhaust reserve look help sps want evaluate every loan modification alternative include hamp program lowest affordable mortgage payment also want decrease interest rate hamp program well incentives sps delay consideration mortgage application lose document constantly require additional items make submit new document document previously send outdated lender drag feet dual track file foreclosure complaint modification pending review',
 u'rush mtg refinance never make aware adj rate mtg last yrs deny refiance water loan freddie fannie back qualify gov ref program boa lose lawsuit atty general say set aside help cust unfavorable mtgs refuse set mod deny due pymt original amt struggle pymts impossible boa refuse give better pymts lower int rate per legal boa violate court order want retain home interest short sale deed lieu explain boa boa respond e mail hav send via portal work computer rep say work comp yet refuse send secure answer ton question verify identy talk frustrate need piece info validate lower pyments interest ceo call answer mail send directly default credit card payments try make mtg pymnts offer mod deny boa restore payment original amt deny several representatives tell denial return pymts original amt never happen boa do drive appraisals different value do person home worth appraisals appraisals correctxxxx appraisals loan freddie fannie back qualify gov mtg program per legal boa set customers failure foreclose',
 u'try buy new car car dealer tell credit score low get best deal end cost least dollars always high credit score runied score own co act like company years delibertly try undermine yrs old spend years battle condo buy work n home mo time call tosay pay bill show want put dispute late meet home send bill request another one pay computer say ontime mark next day make late days late days late would never use card ever everyone tell include car company thios everyone need stop look score company pay full everytime would pay please get stop end owe money',
 u'month unable make full payment charge account goodyear call goodyear credit attempt make type payment arrangement today late afternoon first time call disconnect call mid sentence call back ask representative hang prior call accident intentional tell representative busy today trouble line aware say would never hang want talk proceed disconnect call attempt contact time result give since want become frustrate call place make sure line cut phone call trouble call problem initiate go let go think become concern type tactic use people late payments allow currently ongoing complaint regulatorydept regard home depot also block access account online late follow block payment attempt make today online incidents verify representatives enough full payment difficult enough consumer deal trick top original problem wrong would appreciate check matter thank',
 u'unwarranted charge include credit card statement late fee interest charge bofa representative phone conversation agree remove charge would reflect next statement bofa statement receive charge remove charge speak bofa morning tell would remove account show next statement shall see charge unwarranted idea charge act ethical honest business manner may oxymoron diligently examine statement bofa would benefit unjustified charge doubt magnify countless unwarranted charge dispute clients',
 u'company make video dvd never get back edit dvd want dvd picture women shoe actual items sell website want picture women shoe go sell websites use dvd anyway pay service happy happy service provide past subject treatment future begin tell disappoint entire situation try contact numerous time conveniently available verbally express concern request full request several occasion agents assert return money entire ordeal sketchy experience speak company impact knowledge month full time employer work hour shift per day six days week make executive decision suspend coach sessions wherein representative would train build website coach agree sessions nowhere near completion without notice switch coach new coach mission encourage register new credit card name could stick debt instead start business appropriately date yet receive product describe advise credit card company situation simply refuse open investigation behalf even tell offer company opportunity remedy situation directly tell company charge completely different company please get credit card company consider matter seriously',
 u'apply auto loan deny bad credit history obtain credit report figure several account belong victim identity theft somebody steal personal identification information open account name file police report police department police report send police report credit bureaus creditors since get result credit bureaus refuse resolve problem call many many time ask block fraudulent account pay attention dispute talk fraud department introduce even go document send tell could redispute fraudulent account tell since dispute fraudulent account still result please help resolve problem credit damage reason follow account open name acc acc acc acc also please see attach police report',
 u'follow procedures process disbbank ed convenience check credit card individual account ex wife forge signature take money cause balance past year contact call go branch start process buy house wife realize credit account still show balance go several time since request convenience check show ex wife handwrite never power attorney authorization use account ex wife hide even court divorce custody divert correspondence find person commit tax evasion well proof plus things forge signature use social security without authorization inform issue suddenly receive cancelation debt form state show balance owe cancel still report credit bureaus balance account go wife connect call center request letter state balance cero account due cancelation debt representative state indeed send cancelation debt technically still owe money tell way still owe something write fraud allow ex wife forge signature note like try claim lose also keep book like still owe cancel believe also fraud',
 u'place order send wrong item wrong item return item correct item never contact call theythey say n know say would send thereplacement right wait nothing call say theythe item back order tell longer want item agree give refund andemailed write do chargeback credit cardbefore receive email advise vendor haddone respond credit card company letter send copyof email recharge credit card ampaying merchandise never receive writtenagreement proof vendor want full refund place order xxxxxx would like thisresolved believe pay something neverreceived',
 u'attempt make credit card payment payments submit immediately call paypal correct payment inform possible way correct double payment submit authorize payment',
 u'hello dear regulatorydept want share experience complaint regard unfair bias way treat employees specially fraud department receive offer apply cash plus visa signature card light bite thoughts decide apply relationship want start card lot reward perk apply application go directly fraud department really weird surprise make long story short contact welcome rude disrespectful person name begin start accuse take card spend never pay back even though exceptional credit responsible borrower use percent total available credit never late best never delinquent negative mark credit start make assumptions im high risk available credit n balance day might take credit available spend never pay back great job great credit treat bias n afraid use word maybe even discriminate ask politely speak supervisor n want transfer say behalf supervisor supposedly would tell thing press finally transfer leave message never get back couple days later receive letter reason application denial completely false reason attach see also im happy send update credit bureau shos exceptional credit credit rat score deny credit base false injustice reason im give consent please investigate know true behalf dear consumer financial protection bureau process unfair bias im sure clear name credit card application suppose fraud department first place please assist find justice credit equal access credit base type religion national origination base facts facts state exceptional credit great job income still application go fraud department resaon thank much',
 u'case xxxxxxxxdear receive copy letter nc department justice agree explanation cause satisfaction certificate file maintain note cancel error owner original lender loan initially dispute cancel loan refer claim contact signer certificate employee deny service loan name nc sps state repeatedly service loan since send payments information say hold file vault time return file sps servicer write receive payments loan payments due certificate satisfaction file name recent conversations still say nothing change heart previously say sps servicer loan satisfy appear admit sps fka state cancel mortgage error continue deny cancel try change say appear conspiracy progress',
 u'assist pay mortgage caliber home loan due financial hardship since know pay mortgage behalf back avoid penalty also pay incident end pay mortgage payments call speak customer service rep caliber home loan around ask apply payment full amount principal loan account without charge interest extra payment year agree tell conversation record say take care already ask confirmation say need confirmation see fomr year however receive form year find apply extra payment principal charge interest well thus call verify customer rep name rude tell would never adjust loan refund wrong charge interest extra payment ask speak manager hand call back phone keep rout others unable reach manager matter',
 u'contact refinance home say could give better rate house would qualify eliminate mortage insurance want appraisal year income pay original principle lock loan rude appraiser come value house would keep insurance protest provide information independent realtor ask provide realtor rat home value base bedroom home full bath sq ft prime zip code location say n good enough charge credit card add late fee protest charge say would give late fee back never complain say hand tie even offer pay put mortage insurance wo n budge believe want loan make extra revenue mortage insurence refuse reverse charge put credit card without authorization',
 u'parent house forclosed father credit always mix mine father almost years need inquire also need want buy house older things need come also',
 u'make mortgage payment amount pay primarily process close refinance loan officer want past days notify fail make mortgage payment days past due speak supervisor name explain make payment tell payment short due escrow shortage apply account effective even though cash check apply would report account days late explain issue escrow request statements receive important final process refinance loan tell verbal write escrow issue would longer issue new loan start literally schedule close days wait final payoff take payment say would forward request credit adjustment btw receive notice escrow call ask previous years escrow account mistake make make payments homeowners never receive bottom line never reason person report days late mortgage payment escrow shortage money sit account amount insignificant rethink refinance lender meantime need escrow account audit day late correct minimum adequately inform',
 u'hello purchase condo loan back refinance loan earlier yr current financial situation n good perform poorly cause plenty distress speak mortgage loan processor week conversation record tell line credit would need freeze go loan say ok ask line freeze say loan complete attempt draw line via check n go line already freeze discover mon refi loan complete yet need cover withdraw check account immediately envision check clear insufficient fund cover mortgage refi go credit rat go toilet careful prudent many yrs keep fico score high today choose largely silent trouble even though know guilty thank',
 u'time life purchase car advise dealership texas cps finance car today yet receive documentation cps however today receive dept collection call payment due late never know payment date dealership n certain actual monthly amount back wife scan email copy receipt payment complete copy contract receive picture interior exterior car reason receive call cps processor advise car leather interior stereo system n case wife concern try desperately get copy paperwork dealership submit cps cps fail provide anything even monthly statement make payment today charge fee although wife pay debit card call deal automate system get someone always processor operator ca n help tell transfer cps branch go automate system back another processor concern pay vehicle feature make matter worse recently learn manager dealership slip tell add additional income check paperwork n receive check never deal anything nature life',
 u'husband state late payment credit card service pay late charge plus account full receive bill add interest fee speak say would charge interest subsequent account statements despite bill plus late fee pay immediately charge interest pay already cut credit card',
 u'mortgage company service llc remove false information credit bureau days late credit never even days late proof every month pay automatically account talk great length agree mistake still remove',
 u'claim payments account day late last month raise amount payment charge late fee increase interest rat file complaint bbb area request contact make via mail start bombard home phone call time call get groceries speak husband law name account mail payments plenty time get pay minimum payment due happen day mail run due winter storm fact payments make time likely control weather post office might close truthfully believe payments get set aside could claim late payments would n time do mail payments days due date usually receive within days time mail something fishy go ring phone hook refuse make right even bbb complaint already call time today alone know call documentation',
 u'purchase mazda tribute back mazda alabama mazda own contract read finance mazda dba business mazda credit buy tribute new struggle keep layoff employer defer past due payments layoff end call back work fine back work months employer start layoff know would never make another layoff recover financially layoff call finance company ask would best option tribute know would repo way could make payments focus try hold home tell could voluntarily bring car back lot would save good amount money fee voluntarily repo far better come get know really good benefit cobank e take court get default judgement vehicle warehouse begin laiding get hurt work let go needle say things get worse lose everything part file complaint wife do make sure everybody collections pay full settle agree amount close bill credit totally tank try stay credit rat score get back happen review free report year notice something suppose public notice default judgement thats fine know still owe money notice mazda credit collections amount owe never notice beyond guess register do hit credit score double jeopardy file complaint see anything help matter large corporations already shadow little people really low way business gain even way grip public wonder hard stay good grace financial world want pay bill go far need someone help get bigs guy least necessary protect selves cobank e time let try make good without shady do',
 u'hard deal communication different call center home stake still clue manage case per final order provide spoc facilitate loan modification npv value remove access online e submission portal provide independent reviewer appeal direct provide npv value denial letter limit communication party include law firm law firm call contempt miss ignore communications per judge order want modification approve able keep house family reasonable payment schedule hop grind deal',
 u'become unemployed time mortgage servicer run fund apply mortgage modification head great difficulties mortgage modify regardless use different mortgage modification company help include mha approve credability avail sell mortgage without resolve modification mortgage change couple hand since years old turn modification need keep house force go back work apply modification mortgage interest rate reduce raise servicer service corp offer totally dishonest modification raise interest rate still house benefice soon make house affordable insane force work pay mortgage',
 u'agree fee charge thbank day every month get pull class get new loan live tuition expense one year n go sign paper new loan every month would n able continue class miss important class information make time homework hand task become difficult accomplish n make lose time go sign loan paper tell rough amount school loan would start pay month loan agreement increase call ask increase payment amount month tell saw higher income adjust payment accordingly legal pay amount years still owe call come find roll interest pay loan every year pay interest basically last years n think treat fairly legally',
 u'attempt mortgage currently service initially start modification request ask decide modification approve would effect credit assure would proceed process approve trial modification period ask term modification tell make trial payments prior actual term modification send ask decide accept modification effect credit assure would complete trial payments receive term modification add current mortgage balance could explain ask documentation show comprise tell would submit request research department would mail documentation days beyond date modification need accept decline modification felt slightly lower payment interest rate undocumented addittion principal balance balloon payment best interest receive statement state balance due bring mortgage current expect modification payments smaller original payments make payment attempt pay remain website even website would allow make payment loan call make payment tell payment due amount approxament amount right ask happen payment representative research tell payment return full amount days late days late mortgage due dumbfound customer complete trial modification reject horrible modification receive bill attempt make payment require days payment reject report days late credit bureaus ask issue escalate next person speak state would take certify payment would incurr fee provide would send request credit report department see would provide one time courtesy guarantee would correct state will make payment guarantee credit report correct show late payments everything pay bill within proper time threaten contact regulatorydept attorney really n care tell call back let know go ask able continue make payments negative credit report tell twice process credit would suffer opt modification make payments require statements send ask help facilitate common sense show report payments time late resolve regulatorydept recommend attorney expertise feild would greatly appreciate recomendations also appreciate',
 u'behind mortgage payments try go online make payment say must call office allow make payment company financial take check hold days clear account online debit credit card option try past talk hold phone hour insult threats want make payment closest local office miles away since office town longer service mortgage get take payment try get account current money one time income job',
 u'service llc stop payment check mail local tax commissioner property tax tax pay phone call still nothing pay bill put lien property company issue money back escrow money',
 u'presently mortgage loan service loan past years loan w obama mortgage program low income families purchase loan years ago purchase term since harass regard buy home owner insurance unit amount per year fully aware townhomes insurance policy past years suddenly want buy insurance interior wall content unit believe decision attempt matter illegal unreasonable since buy loan speak reps time mail certificate liability insurance still harass certify mail reasonable',
 u'come today repose months try renegotiate predatory loan want repose need help want bank mortgage relief center team law firm audit car loan see hassecuritized asset back securities',
 u'get flexible payment options sallie mae student loan make monthly payment full request forbearance time tell customer service forbearance indeed process nothing worry months days later start receive call sallie mae state payment past due call tell never forbearance place account would go collections n receive another payment advise could n afford another payment ask last call take financial stmt say nothing could do call back speak advise prior call issue state get permission supervisor override forbearance fee process forbearance want request another call back prior date pay another process call back day speak confirm forbearance effect state speak look acct show today start receive call sallie mae state acct seriously past due head collections n receive payment call today speak supervisor state none forbearance go past due collections pay advise entire situation say nothing could say make min payment come collections explain n possible trust reps speak sallie mae mislead believe acct good stand forbearance currently economic deferment federal loan advise supervisor know already pay sallie mae loan last year impeccable credit report single mother want affect negatively please help',
 u'originally take mortgage loan financial problems force bankruptcy go several lenders mortgage split beneficial recently settle beneficial loan modification years foreclosure status bankruptcy dismiss monthly loan amount go per month continually receive monthly statements company monthly amount reduce statements attach amount owe principal outstanding total amount due year half go secure lawyer agreement loan modification arrive agreement mortgage company reluctantly take rather force home cost modification plus payment felt hurry make agreement due go court lawyer assure would lose house judge tough word oppose attorney give options worse eject home middle winter email attach hindsight would ask court scrutinize amount need pay next years plus balloon payment new monthly go principal go interest go tax escrow account fix interest home damage fix home secure insurance yearly income pension part time work fear never get equity home home value around always acknowledge willingness repay debt originally take decease father law amount repay failure give reason monthly amount high originally take mortgage go bankruptcy sell note could never confirm actual amount owe even lawyer later relieve license state lawyer know anything bankruptcy hire work disagreement quit try contact never return call answer email try get help advocacy agency give information ask stop communicate finally contact claim fund go make complaint agency head receive answer address concern see email reply last lawyer admit difficult case year suggest loan modification happy five years later mortgage company decide loan modification do years earlier would avoid interest plus question charge per month years answer email attorney firm never resolve see email also copy mortgage company attorney write attorney apologize hound matter set service release another servicer shortly seek get settlement agreement finalize happen email attach confidence settlement email correspondence information regard case thank',
 u'fee account foreclosure fee never advise ever foreclosure appraisal fee make aware prior appraisal order review short sale still show review confuse letter say deny also letter say still actively review mortgage company say report delinquent mortgage mortgage statements show past due addition current payment review credit report show degoratory credit report ca n actually see affect credit score drop every month current mortgage payment last delinquent mortgage payment make think review short sale bring account current idea affect credit get deny loan credit due mishap every time call explain get run around say escalate nothing come',
 u'approach home depot store ny open credit card account heopened account tell interest monthson purchaes buy small refigerator formore make min payments time theybut add interest despite employee tell clearly interest would accrue aftersix months totally wrong correctd home depot',
 u'trouble payments handle originally complain numerous harass phone call due unemployment key refuse allow forbearance report credit bureaus days late affect credit score erroneous month payments double ask numerous time forbearance due unemployment hardship refuse monthly payment follow payments make',
 u'may concern credit card citizens pull annual credit report find close account back lose full time job make payment arrangements credit card company include citizens ask payments lower month agree able pay credit card own well citizens part time job obtain follow phone call regard close account woman state would send letter within business days also state close account back would apply balance pay full pay bill long remember ask pay statement date yet letter account close address current electronic delivery verify address find anything website regard electronic notice pdf file save anywhere website want letter state close account credit negative reason would use purchase etc report illegally close account responsible lend act credit card act notify write within days action take n understand would close account make current payment arrangements loss job feel discriminate fear non payment fact make payments statements note sort different number amount due amount originally suppose pay always state late past due amount always payment every month owe',
 u'medical service wife make advance payment book use credit card since offer time yearly discount period payment do via phone transaction sign transaction wife suppose receive service schedule appointment due medical condition call clinic number go wait week get response either personally go place surprise place lock attendees address concern huge amount except company render service pay later research internet find service company file bankruptcy raise dispute temporary credit provide amount investigation deny dispute mention sufficient documentation kindly let know do stage',
 u'close home receive notice mortgage paperwork escrow account short since address issue original lender mortgage company current mortgage company give many different answer reason amount somewhere something add correctly notice receive statement date months past already need someone look issue escorw account low find underlie problem husband pay suppose actually even every month think either original lender wrong calculations file buy thibgs leave evry person company point finger please help',
 u'interest loan go ammoritize year loan house hit hurricane lose significant amount value addition house market take fall loan harp eligible would allow refinance without appraisal thus get high risk loan call tell house harp loan would allow refinance adjust loan fee options say modify loan order go trial payment months months report mortgage late work entire life maintain impeccable credit devastate credit score options beyond try sell short sale foreclose prefer work within system understand fault home lose value want able refinance lower rate make payment affordable will help hop advice nmls number take continue ed one statements regulatorydept encourage bank refinance high risk loan limit documentation get without affect credit negatively thank time',
 u'loan service loan sevicing make payments time loan value ratio make many write request verbal request start process cancel mortgage insurance receive run around customer service gotton nowhere contact information will help customer feel like scam pull homeowners please help',
 u'originally co borrower decease husband modify loan die lose job ask mortgage company modification loan refuse send response give options short sale foreclosure start work job bulk money come month pay mortgage accrue late fee contact representative tell could discuss loan still decease husband name never take husband name loan stay home',
 u'payment home equity loan make properly apply make payment interest loan service apply towards interest rest principal call several time look like care',
 u'complete trial mortgage modification inform customer representative additional money would remain partial balance full payment transferable payment receive call new customer representative ask payment inform would like money transfer partial payment use payment customer representative speak couple people inform money apply principal question do adjustments make trial period request money move back hear circular reason customer representative account could do customer representative say would speak supervisor request explain concern able adequately explain concern request supervisor name number leave message supervisor never return customer representative call schedule follow apologize prior customer representative give inaccurate information money apply principal able transfer back payment make remove account',
 u'receive bad information loan gensis loan stop sand letter still assume n get bill do pay go college tx well call institute close know tell n pay student loan account send money need know since think unfair pay loan though pay already',
 u'back notary send administrative process use private register set bond never return negotiable instrument therefore discharge accord refuse payment send frivolous letter transfer mortgage current third party inc sps reinstate foreclosure process save house enter bankruptcy send another private form payment eft check also send irs ky return eft check another example public law state institutions allow pick choose type payments accept return instrument service company enrich discount window without grant credit mortgage would consider grand theft demand release lien property immediately restore good name',
 u'trouble payments handle take student loan key university get job make payments occasional forbearance college cobank ework default years lose job become late payments suggest put loan last economic hardship forbearance around months payment agree next month get another bill say back date forbearance still would need pay rest loan monthly start month apply forbearance know take advantage could anything call reguarly another month money didnt since place unemployment payment say go charge unless come dollars hit credit report whole time since put charge date late possible stay credit report long diputed write agency update information money pay n account anything last forbearances count time say charge date credit report wrong past years hurt credit continue okay job college n fit try chance house business car loan least half decade',
 u'loan modification cancel incompetence since never apply first trial payment make phone case manager due recommend get confirmation number follow month notify case manager email run balance clearly show fund available cover payment case manager bofa admit error assure would correct error immediately continue pay additional month case manager continue assure would correct time realize try get many payments possible know loan mod would reinstate many article bofa state fact incentives employees approve modifications xxxxxxxxxxxx understand new respa rule come effect require new servicer obtain loan information old servicer confirmation number payments bofa payments make bofa first set number indicate date pay original lender countrywide attach loan modification approval bofa loan modification cancellation bofa non payment letter bofa payment process make total payments email case manager inquire issue letter state fund payment process run balance check account',
 u'modification approve soon approve deny time send mtg payment back sell select portfolio service work obtain lawyer fee month sue forclosure dont payoff amount go back find much try short sale obtain equity home go forclosure parent leave house probate abuse refinance propety struggle since percentage alwys bee never go say many time pay time year percentage go monthly payment never happen borrow house ask continue pay time things would get easier true money borrow pay mtg years time note monthly start forclosures stop help harp lower mtg monthly lased years thats arrive situation siminars thats approve modification revoke month today forclosure try make sure wrong abuse take advantage look justice somewhere start know else since please help need know still acountable select portfolio service problems complaints would take loan want work force beleive know happing able get loan legal suit file',
 u'file complaint regulatorydept frustration lender mortgage unfairly deny access additional modification options prove eligibility receive help reside area years purchase home primary owner since enjoy much live situation hardship begin recession hit make difficult make monthly mortgage payment shortage clients decline business contact lender modification assistance grant modification program much need respite payment difficulty experience extremely grateful assistance make payments without fail years receive word mother reside financial situation need support cover medical bill prescriptions necessary recovery due incident fell behind modification payments miss maybe payments contact see way reinstate previous modification get access modification arrangements complete review additional aid deem could afford home grossly inaccurate miss maybe months payments still gainfully employ back feet financial set back experience everything get back good grace regain mortgage credibility addition base current income fact far behind payments certain fit criteria additional assistance need perform depth review qualifications prove eligible receive aid believe situation remedied would open door proper review consider payment options arrears like put late payments rear loan increase term loan grant payment cushion need get back track mortgage will work comply request seriously difficult time persuade offer reasonable solution dilemma',
 u'go fdic take sell ams service llc seneca mortgage service pay mortgage apply payments new loan modification start credit show late days since affect credit submit mortgage interest statement tax contact asset manager many time return call pay back interest owe pay front start loan modification program front money see attachments stressful',
 u'someone employ give authorative answer question pertain citimortgage standard modification trial approve servicer approve rate give years also claim option pay past due balance top trial payments month period get run around right get standard modification publish rate clearly post right pay past due balance trial period adjustments consider approve would independent save great deal money come time calculate final permanent modification end trial period local agencies local congress woman office help lack authority matter',
 u'finance car year payment loan scusa acquire part auto loan portfolio begin service loan scusa send welcome email attempt unilaterally change contract attach release hospital surgery n ideal state mind discuss new term make payments require contract attach full documentation via scusa statements additionally scusa confirm timely payments credit bureaus see attach early prepare make final payment per maturity date scusa website indicate payoff amount almost shock contact scusa ask explanation customer service evasive refuse provide useful information instead forward copy privacy policy opt form attach sign last month send certify letter scusa ceo request detail account information clearly indicate payments make fee assess basis original contract yet receive reply simple review number reveal problems scusa position contract provide fee payment late even payment late every time evidence scusa report fee months would sum far less amount scusa allege owe scusa payment history example attach provide customers limit confuse catchall notation misc fee make easy scusa impose unwarranted fee seek money legally owe identifiable fee payment history call convenience fee charge monthly online process ensure ach payments timely apply thus avoid interest accrual word scusa charge cash check scusa notorious bill irregularities internet search reveal thousands complaints similar issue multiple lawsuits allege inappropriate bill practice example power case scusa inc docket judge note scusa senior vice president could determine particular payment apply month subject late fee could determine whether entry title late charge assessment reflect late charge reflect late charge court say could n figure fee either scusa customers expect understand executives ca n company legally demand payment money n owe case scusa voluntarily agree provide consumer schedule itemize application payments effect payment status account scusa also provide detail invoice fee assess scusa customers everyone ask scusa automobile title confirm loan pay full clear explanation inflate payoff amount fear provide neither simply continue send invoice money owe understand send invoice customers refuse provide reasonable explanation basis charge believe legally entitle time copy contract note pay full title car',
 u'hello dear regulatorydept want share experience complaint regard unfair bias way treat employees specially fraud department receive offer apply cash plus visa signature card light bite thoughts decide apply relationship want start card lot reward perk apply application go directly fraud department really weird surprise make long story short contact welcome rude disrespectful person name begin start accuse take card spend never pay back even though exceptional credit responsible borrower use percent total available credit never late best never delinquent negative mark credit start make assumptions im high risk available credit n balance day might take credit available spend never pay back great job great credit treat bias n afraid use word maybe even discriminate ask politely speak supervisor n want transfer say behalf supervisor supposedly would tell thing press finally transfer leave message never get back couple days later receive letter reason application denial completely false reason attach see also im happy send update credit bureau shos exceptional credit credit rat score deny credit base false injustice reason im give consent please investigate know true behalf dear consumer financial protection bureau process unfair bias im sure clear name credit card application suppose fraud department first place please assist find justice credit equal access credit base type religion national origination base facts facts state exceptional credit great job income still application go fraud department resaon thank much',
 u'may concern credit card citizens pull annual credit report find close account back lose full time job make payment arrangements credit card company include citizens ask payments lower month agree able pay credit card own well citizens part time job obtain follow phone call regard close account woman state would send letter within business days also state close account back would apply balance pay full pay bill long remember ask pay statement date yet letter account close address current electronic delivery verify address find anything website regard electronic notice pdf file save anywhere website want letter state close account credit negative reason would use purchase etc report illegally close account responsible lend act credit card act notify write within days action take n understand would close account make current payment arrangements loss job feel discriminate fear non payment fact make payments statements note sort different number amount due amount originally suppose pay always state late past due amount always payment every month owe',
 u'husband state late payment credit card service pay late charge plus account full receive bill add interest fee speak say would charge interest subsequent account statements despite bill plus late fee pay immediately charge interest pay already cut credit card',
 u'medical service wife make advance payment book use credit card since offer time yearly discount period payment do via phone transaction sign transaction wife suppose receive service schedule appointment due medical condition call clinic number go wait week get response either personally go place surprise place lock attendees address concern huge amount except company render service pay later research internet find service company file bankruptcy raise dispute temporary credit provide amount investigation deny dispute mention sufficient documentation kindly let know do stage',
 u'claim payments account day late last month raise amount payment charge late fee increase interest rat file complaint bbb area request contact make via mail start bombard home phone call time call get groceries speak husband law name account mail payments plenty time get pay minimum payment due happen day mail run due winter storm fact payments make time likely control weather post office might close truthfully believe payments get set aside could claim late payments would n time do mail payments days due date usually receive within days time mail something fishy go ring phone hook refuse make right even bbb complaint already call time today alone know call documentation',
 u'approach home depot store ny open credit card account heopened account tell interest monthson purchaes buy small refigerator formore make min payments time theybut add interest despite employee tell clearly interest would accrue aftersix months totally wrong correctd home depot',
 u'lease lease finance ally formerly make payment every month late payment purchase receive letter ally state owe money previous sum receive statement state owe balance contact ally set payment arrangements take care balance agree pay monthly payments payment make payment make payment make receive letter ally advise balance pay debt satisfy father also co signer receive letter stop make payments due letter receive felt obligation satisfy ally send another statement advise still owe additional letter receive ally dispute amount several months ultimately pay ally proceed report account charge credit bureau negatively affect credit rat',
 u'dear regulatorydept representaive first thank make platform delivery complaints accessible via internet make user friendly drama begin approximately seven years ago service begin service home loan still recover impact direct strike bear storm mortgage crisis begin michigan finally take home loan somewhere process loan put year fix loan good news despite pleas handle property tax hazard premium payment demand escrowing fund town la require property tax payments begin year instead year end like municipalities despite repeat letter property tax begin accrue interest penalties finally many years letter write warn potential problem discover n even pay property tax home property sell tax sale attachment last month finally find change escrow account webpage glare abrupt increase escrow account increase monthly mortgage payment tell tale sign something change worse make matter worse home suffer total loss fire plug fragrance night light device cause already lose home possessions fire force continue argue service delinquent tax bill pay escrowed payments years word take payments n pay tax last straw lay upon already stress existence withhold proceed hazard premium thirty days receipt fund play game game slow release even one dollar help rebuild home would suffer nearly days nothing still today argue constantly release fund reconstruction work complete fund release today nearly seven months still withhold fund three weeks ago loss department call inquire percentage completion construction fire agree send inspector right away inspector show last week forget bring paperwork three days later email request print email sign form scan document email back perhaps experience total loss fire n realize fire n leave one computers printers functional look number document require release penny insurance proceed docs require notorization discard unimportant one ca n imagine burdeon place victims mortgage company never hear mortgage company heartless know document useless despite everything return ask document n even original packet docs need complete want hold fund recently newsworthy ceo step lofty perch use think problems somewhat unique news break learn hurt many many others',
 u'hello get loan indymac purchase home cobank e high market put approximately take bad advice take interest loan approximately yr interest period loan eventually sell sell own service rate loan value home approximately try years refinance loan eligible harp would allow refinance loan value charge mortgage insurance happen real estate market financial crisis participate hamp modification program portion sponsor government income also decline qualify even mortgage insurance apply modify deny delinquent accord investor standards time offer help short sale always pay mortgage time even though accord qualify standards n really qualify wife hard workers believe pay obligations want keep family house really want get refinance make loan yr loan current rate loan amortize years interest period run tell delinquent modification request hard month become late payment apply deny call persist speak relationship manager still know detail file finally say must days delinquent order qualify allow one day away put notice default foreclosure notice property allow slow paperwork control mercy foreclosure help get rid loan n want lose equity cash put home want reasonable payment regular loan pay loan consistently ten years ask anyone really forgive principal write modification request want new year loan loan get refinance even mortgage insurance unfair offer modification without late days way able get rid loan notice default ca n control situation accept payment bring loan current try get rid certain loan deny modification even though would qualify modification income low instead keep offer help short sale guess maybe live certain area certain surname would deny modification otherwise qualify government rule hamp delinquent want new yr fix rate loan like others get harp program without pmi xxxxxxxxxxxx ca write assistance financially helpful friend',
 u'since unsuccessfully attempt electronic lien remove florida electronic title sun trust submit write title release refuse remove lien electronically due failure obtain paper title',
 u'temporarily postpone payments attend years worth train school california well additional months train specifically institution small portion tuition able receive federal loan majority apply private loan go original years worth standard train well extend train choice time go salliemae cosigners help attain loan upon graduation able enjoy grace period begin make payments afterwards work months lose job able get job end month make substantially less make payments salliemae time without issue time grow harder decrease pay really begin catch pick job still struggle make payments loan well necessities daily live request forbearance salliemae comply give months grace make payments three months receive multiple call salliemae tell past due one full month two full months demand payment time would inform already sign forbearance n make payments end period would tell would make note call would end receive call month forbearance period worse cosigners cosigners would force make payments unaware condition forbearance would call salliemae request stop collect payment ask loan clearly forbearance even online profile list document explain term condition forbearance period forbearance end make payments month still need time reenlisted forbearance time another months issue debt collection call claim past due delinquent account cosigners would also receive call issue persist throughout forbearance last month begin make payments necessary months time receive degradation pay earn even less money could comfortably meet payment requirements request additional forbearance period inform last time could enroll forbearance choice agree time enlist loan salliemae time cosigner receive many call state delinquent account payment necessary would pay misinform fact loan put forbearance understand make payment loan would go forbearance time payments would resume account list delinquent past due payment could pay time far standard payment inquire give explanation loan go forbearance option pay amount receive statement account month statement n even list salliemae account profile go behind give options salliemae demand repayment loss make payment dire need assistance',
 u'return vehicle lease since purchase pontiac g gt make monthly payments believe instance payment late still pay within month purchase vehicle elect buy new car warranty well gap insurance vehicle park outside home rear end high school girl distract wheel vehicle sustain damage deem total loss time accident carry full coverage insurance also carry gap insurance coverage insurance company pay towards vehicle girl fault uninsured remain balance approximately cover gap insurance pay monthly deductions make refund calculate ally send statement advise owe balance possible entire reason purchase gap insurance cover additional cost cover personal insurance company dispute ally several months ultimately fight lose battle pay ally remain balance claim owe point ally proceed report account charge negatively affect credit rat',
 u'mortgage fraud perpetuate sps know inc property locate ga legal description tract parcerof land lie land lot th district georgia lo subdivision per plat record plat book page record georgia plat reference incorporate herein make part hereof send notice ask plaintiff produce account general ledger statement show full account allege obligation attempt collect fr balance sheet b fas cash flow statementsc sec registration pool trustf fwp free write prospectus sps wont respond foreclose property',
 u'receive bill sls service home equity line credit take years earlier say balloon payment due final notice pay days subject foreclosure bill limit heloc pay last week delete extra amount due make true balance n want happen anyone else get older rich person might send higher improper amount thank attach copy bill want call question',
 u'try get help citimortgage loan modification quite luck get approval keep home california towards arrearages citimortgage still would approve modification citimortgage eventually send back fund wire behalf hire law group assist get loan modification citimortgage assign work file submit loan modification package extensive mortgage background felt strongly qualify modification speak citimortgage tell loan modification deny investor participate hamp investor mod deny due income ongoing source work job since intend leave time soon time new single point contact assign tell would call days finally speak tell would best wait resubmit loan modification request loan pay pay submit modification deny time current income assets provide insufficient offer affordable payment solution denial letter give days appeal denial file illegal notice default property since still appeal process violation california homeowner bill right dual track file appeal letter prove qualify loan modification also contest illegal notice default appeal assign tell decline stand per investor guidelines ask investor guidelines would say ask investor office request never receive tell request need write send letter day still receive know investor guidelines citimortgage also refuse rescind illegal notice',
 u'ago lady come medical issue medical expense unexpected fell behind mortgage payment try catch months anguish able sleep lady cry think go lose house month behind time decide ask payment plan catch point grant months finish plan catchup go make regular payment payment plan say month behind ask could get plan catch day give liable reason behind month affect credit score really bad way say would n would investigate matter try refi property result lack responsibility resolve problem put credit score nobody even try help go problem go months call least month see issue want full payment months ask matter suppose investigate transfer department another representative n know tell knowledge talk transfer want get credit fix local mortgage company carry loan go unbearable smartest people world know things right please help',
 u'due unemployment job summer fell behind mortgage payments inform relationship manager would find another position fall take pay make payment position date payment beyond day window inform enter repayment plan catch payments miss agreement also state would determine payments return payment clear check service send follow record several time copy cancel check letter state check clear copy statementto date mortgage payment neither refund apply account file complaint better business bureau case number attorney also send correspondence issue problem resolve keep change person work problem admit record paymentwho actually assign work problem realistic step take find mortgage payment write admit record payment expect ok provide bank documentation normal financial institutions would find acceptable apparent problems record keep complaint better business bureau f rat receive response different person ombudsman office general statement state respond certain date letter turn another request keep ask information try shift responsibility clear work information back check need find transaction lose fail keep accurate record cash check since prove pay provide document get write back say find think might deliberately stall earn interest either accept payment refuse refuse look like deliberately pay true limbo state due inability keep accurate record',
 u'call let know struggle see could move payment end loan say could get loan modification would help tell skip payment start make new lower payment months would review would know approve approve everything fine till make payment early start get phone call say miss payment answer phone would go major ordeal loan husband name could n talk send letter different time give permission talk would work phone call would go insist payment make would go way back payment tell skip say late receive multiple harass phone call daily n matter many time explain insist miss payment never would assign person handle account call talk several people explain whole story sometimes call would finally get someone sound like know talk tell call back hrs see fix go year constant phone call result finally late give pay fee say owe do even though documentation never miss payment last month notice charge statement call see tell due miss payment explain whole story get run around submit review please call back hrs see resolve weeks later still resolve',
 u'dear offer payment account account pay credit card report clear thank time attention',
 u'wife pre qualify new primary residence home mortgage find home want purchase offer new home accept sellers close date immediately forward information bofa start loan process provide information request respond additional document request day request close date come go explanation provide file complicate tuesday finally tell loan approve wednesday inform loan approve yet want additional liquid assets order close speak amend requirement able come additional assets require day friday still answer file underwrite',
 u'credit report list item serious delinquency contact consumer finance agent say report delinquent several credit card payments contact say check save account name file account close years ago record credit card say could check archive account close report delinquent credit report',
 u'purchase lease suv go contract discover payment amount never agree within mins ask refund refuse look numerous vehicles different store finally decide follow day break roadside work hr shift call get help tell pay get car tow confront manager ask gor refind still within hrs store manager refuse threaten call news station put guess weeks later car break need help even still force make car payment car weeks',
 u'apply phone credit card advertise website cash reward credit card think new product time call apply lady trouble find specific want minutes hold come back say find cash back world mastercard want apply go application process phone time throughout conversation verify cash reward card put hold time worker come back phone say yes cash reward program card days get card mail plain world mastercard cash reward card already reward card several unsuccessful phone call executive resolution people send consumer dispute form detail want card remove credit history delete cancel tell phone multiple time thing could cancel card lower credit score understand account open close within month period contact say could want remove inquiry credit history authorize application would cancel card apply authorize application card give believe responsibility remove application credit history',
 u'start years ago birth needle say surprise time wife employ wife job eliminate need financial relief apply make home affordable several time tell n qualify several years financial difficulty saw something strange happen house discover sinkhole part house whole process begin exhaust options also financial help relatives face options sinkhole house debt force bankruptcy retain lawyer guide bankruptcy process several miss mortgage payment get call magically qualify assistance look relief month limit time deny offer continue bankruptcy process grant chapter due circumstances move life still legal battle insurance company sink hole years year discharge chapter receive notice sale home fully understand situation move prior sale date avoid issue days sale receive letter state home sale stop n understand house would n help abandon everything possible assist create problems didnt fight bankrupt home wife kid live small townhouse house work whole life build want raise kid surrender family dog big go give away kid horse want put behind due sink hole fear wife stop sleep side house dont think create issue also diagnose require present one day doctor idea try lender do nothing help keep house auction want anything house anymore since sell feel responsible acres really want end tear family apart never need anybody help family friends sure need government bail really need assistance deny pay tax medical insurance support family right things try hard could bankruptcy soon foreclosure home count family financial future',
 u'qualify better loan offer attend school encourage apply student loan understand would high pay job months look job work hobank week hour student loan debt believe give honest information loan reasonable take',
 u'write agree allow home insurance provider set quote total around hire party inspection access house party good job mislead insurance policy increase policy without due process notify cause insurance company add additional per month mortgage per month period go foreclosure contact since receive party evaluation refuse correct evaluation state garage doors mistake lead believe policy however evaluation also include picture house prove otherwise contact tell base upon sq footage receive party policy wrong tell need refund new amount',
 u'upon purchase home set escrow account handle tax insurance base previous tax information available stearns lend able tell take enough money cover tax phone issue assure take enough would reassess within days days call back still sure n withdraw enough money assure specifically state concern would recieve large bill n take enough assure months later disbbank ement even reduce payment small amount month receive tax bill increase monthly payment past months n take enough',
 u'move state employment offer would allow close help mother deal work pnc mortgage since resolution concern mortgage try sell house sale owner since list short sale pnc deny short sale deal work attempt approve deed lieu property submit hardship package pnc mortgage obtain deed lieu time find reason deny latest attempt tell line streamline dil would send uniform borrowers assistance form documentation would need submit e pay stub statements tax return form etc submit form hardship letter request tell receive package additional document need could take days review receive phone call follow email outline conversation pnc mortgage advise would close file son occupy property move email would reopen file finish dil also state son move order final inspection do time try email receive message back postmaster pnc email could send talk state file active dil review discuss email attempt send tell leave company close location loss mitigation handle office tell need clear liens property dil start work call tell file close due liens property fax charge letter along homeowner association dues pay statement ask file reopen streamline dil fax information request file reopen call talk verify receive document file active loss mitigation send rep process review streamline dil call talk tell still pending dil review advise property would vacant clear request email tell would final inspection date make determination dil talk tell file close error tell would reactivate streamline dil talk state never error close file state file close submit pay stub statements etc felt give wrong misinterpret information give option submit entire hardship package time call information since prior information email etc seem lie order clear liens trick spend money n fly clear property leave clean promise dil turn around deny talk state qualify streamline dil due credit streamline dil set error loss mitigation dept see document attach detail note correspondence',
 u'usbankcorp issue card part benefit provide vary annual fee bonus award night award stay nights today remove benefit effective though website still show benefit card recently apply card approve apply specifically benefit actually able receive benefit offer take weeks time account open give initial bonus point sign consumers give days earn additional bonus point beyond less months notice provide card change contact ask waive annual fee pro rat annual fee due significant change product tell amount bait switch company advertise product specific benefit get sign credit card product still advertise notice benefit end show intent defraud customers continue gain new applications credit report pull stay credit years shortly remove advertise benefit still expect pay new lesser product interest',
 u'agree fee charge understand charge loan loan investigation school close persuede get loan continue school inform sign call several time enroll school offer opportunities still career ally credit accept college well false',
 u'attach please find support document regular payments time escrows account question try rectify situation call phone number furnish document speak numerous time start take name employee id name follow supervisor request supervisor get comprehensive answer question concern also keep give cell phone number speak ask information file change never happen even say email supervisor give information return call get call back tell get lawyer involve call back home phone number specifically ask call number give ask call number say sorry really suppose faith people charge mortgage right even get proper phone number ask explain shortage try tell keep pay bill cancel check along balance check book regularly see keep accurate record mortgage tax bill along homeowners insurance ask fax lawyer document request try tell would email tell late lawyer would like look today lawyer receive anything find disgrace company complete disregard loyal customer tell pay amount previously bill want increase amount would provide evidence increase choice file complaint employees disregard incompetence outstanding line credit ruin mortgage company job correctly outrage say least',
 u'already complaint file another issue case number xxxxnow bait switch counter offer higher interest rateafter say appraisal low ask another appraisaland practically find comps obank elves come higherbut still deny despite credit score low debt thatbecause live older community age stricted deny weeks back forth least letter conditional approval first appear age discrimination second would n applicationprocess waste time something smell fishy',
 u'file ca service llccomplaint description company decline accept mortgage payment loan call customer service speak agent since always make sure payments clear account call confirm receive monthly mortgage payment since issue matter past company agent say company receive payment amount company decline accept payment ask say update show decline payments last six months want send cashier check make payments make complaint six months ago system issue accept payments online reply inputting information incorrectly totally disagree account account issue however decide make payment directly personal account without use online payment system needle say n trust even circumstances back forth try solve issue non acceptance payment company online service pay full amount without late within day grace period decide continue use account online payment service receive payments personal account online payment service everything fine payment amount accept agent say payment form cashier check type certify fund explain agent never receive letter change policy agent say mail letter explanation mention change receive payment amount agent say change policy send question agent n notify advance change write complaint still n receive letter supposedly go company make change enforce first later notify clients even though strongly believe something wrong online payment system feel comfortable make payments account company n accept payment furthermore online bank n issue check fund substantiate payment like write check unfair notify least month advance policy change stick make payments incur extra cost satisfy choice last minute policy change try cost explain company something wrong online payment system even circumstances way another get payments time perfect credit treat like delinquent loan unfair make chance n notify clients change advance wait till payment decline due last minute change policy credit back account dollars desire resolution penalize six months make payments certify check want use personal account online system continue make payments',
 u'late obtain auto loan wit corp impression principal ammount loan pay make monthly payments months later crash vehicle default loan vehicle return salvage condition judgement enter ammount wag since garnish pay additional income execution attemted get update remain balance find owe excess speak sherrifs office order ny tell deal lawyer call lawyer tell need speak corp call tell sell debt issue constant run circle wag garnish ammount owe rise possible doge intrepid purched use miles vehicle brand new miles cost still owe already pay dollar loan feel preditory unconcionable please help wife expect child income household afford pay continual garnishment feel debt pay understand principal ammount include interest however feel victim preditory lend judgement remain credit report despite number time desputed please help',
 u'although make payments time macy continue lower extend credit offer several time year without proper notice',
 u'macys credit card system application take whole day fix problem give right information customers point dont know believe anymore frustrate wait wait get answer leave question upset im really disappoint customer service im receive every time call feel like im make distance call cant deal wait non solution situation anymore',
 u'receive e mail statement online bank state payment due day receive email statement make payment post account numerous date thereafter contact boa via chat telephone inquire still show still payment due inform boa make change online bank system need worry payment apply due date notice account past due new payment due immediately late fee payment due card block use credit line decrease result delinquency penalties occur without reason prior notification contact boa via chat telephone research discover error payment due date incorrectly apply system therefore receive late charge adjustment inform matter would immediately rectify new payment due immediately would zero would pay amount due notice account still past due owe amount contact boa via chat telephone advise would immediately rectify trust boa false information previously provide pay account place back good stand even though good stand always contact boa via chat telephone inquire n rectify importantly request previous credit line restore since reduction result boa incorrectly put account delinquency advise would impossible without run new credit report decline request increase credit line request credit line restore due boa error boa misapply payment pay new payment due immediately late fee payment due later refund card block use credit line decrease refusal restore result boa error appal',
 u'issue private mortgage insurance pmi charge loan payoff pmi charge whole month refinance mortgage loan although close month lender charge pmi fro whole month',
 u'past years account routinely freeze usually without notify tag recur charge fraud call repeatedly tell stop tag suppliers deal years keep nothing say seem help suppliers multiple charge statement keep tell problem fix n tire suppliers call tell card wo n go yesterday first time card refuse personal purchase food store horribly embarrass never happen freeze card n tell reason yet suppose fraud regular suppliers tag call complain claim call tell certainly n say send letter kid right ask speak supervisor transfer fraud dept speak fraud dept suppose transfer someone higher instead hang stop',
 u'macys credit card system application take whole day fix problem give right information customers point dont know believe anymore frustrate wait wait get answer leave question upset im really disappoint customer service im receive every time call feel like im make distance call cant deal wait non solution situation anymore',
 u'past years account routinely freeze usually without notify tag recur charge fraud call repeatedly tell stop tag suppliers deal years keep nothing say seem help suppliers multiple charge statement keep tell problem fix n tire suppliers call tell card wo n go yesterday first time card refuse personal purchase food store horribly embarrass never happen freeze card n tell reason yet suppose fraud regular suppliers tag call complain claim call tell certainly n say send letter kid right ask speak supervisor transfer fraud dept speak fraud dept suppose transfer someone higher instead hang stop',
 u'receive e mail statement online bank state payment due day receive email statement make payment post account numerous date thereafter contact boa via chat telephone inquire still show still payment due inform boa make change online bank system need worry payment apply due date notice account past due new payment due immediately late fee payment due card block use credit line decrease result delinquency penalties occur without reason prior notification contact boa via chat telephone research discover error payment due date incorrectly apply system therefore receive late charge adjustment inform matter would immediately rectify new payment due immediately would zero would pay amount due notice account still past due owe amount contact boa via chat telephone advise would immediately rectify trust boa false information previously provide pay account place back good stand even though good stand always contact boa via chat telephone inquire n rectify importantly request previous credit line restore since reduction result boa incorrectly put account delinquency advise would impossible without run new credit report decline request increase credit line request credit line restore due boa error boa misapply payment pay new payment due immediately late fee payment due later refund card block use credit line decrease refusal restore result boa error appal',
 u'usbankcorp issue card part benefit provide vary annual fee bonus award night award stay nights today remove benefit effective though website still show benefit card recently apply card approve apply specifically benefit actually able receive benefit offer take weeks time account open give initial bonus point sign consumers give days earn additional bonus point beyond less months notice provide card change contact ask waive annual fee pro rat annual fee due significant change product tell amount bait switch company advertise product specific benefit get sign credit card product still advertise notice benefit end show intent defraud customers continue gain new applications credit report pull stay credit years shortly remove advertise benefit still expect pay new lesser product interest',
 u'dear offer payment account account pay credit card report clear thank time attention',
 u'charge make close account prevent obtain new card company despite card problems issue associate account charge account close consist fraudulent unauthorized charge suppose cover insurance policy offer',
 u'apply phone credit card advertise website cash reward credit card think new product time call apply lady trouble find specific want minutes hold come back say find cash back world mastercard want apply go application process phone time throughout conversation verify cash reward card put hold time worker come back phone say yes cash reward program card days get card mail plain world mastercard cash reward card already reward card several unsuccessful phone call executive resolution people send consumer dispute form detail want card remove credit history delete cancel tell phone multiple time thing could cancel card lower credit score understand account open close within month period contact say could want remove inquiry credit history authorize application would cancel card apply authorize application card give believe responsibility remove application credit history',
 u'saturday approximately call co locate co see could schedule simultaneous minute massage even hobank open days week owner tell would see anyone available provide request service seem strange consider hobank operation call back able locate massage therapist state could provide hour massage back back start tell would need appointment friend ski vacation together n want take much time even wait around indicate therapist would n access credit card terminal would need credit card information phone web site cost minute massage industry standard provide tip service complete ask tip wish provide would add cost massage think rather strange force define tip amount advance service felt obligate agree standard never disclose total dollar amount charge card would confirm amount charge would able identify mistake misunderstand part provide instructions change room would find robe place clothe go appointment receive minute massage request casual conversation massage therapist events trip upon completion hour service get dress thank massage therapist leave location travel companion wait outside car finish get back hotel even able receive email via wifi signal find charge minute massage plus agree tip total call next morning address issue overcharge deny ever tell change request original minute simultaneous massage minute massage argument since original request charge despite acknowledge never hour massage provide anyone file dispute contact ask clarification provide amex receipt date sign per customer signature line amex deny dispute state state charge point sale transaction payment authorize service render amex go state merchant provide copy sign charge receipt indicate account bill correctly amex provide copy forge signature claim sign charge amex hour service render tell amex spend hobank attempt resolve issue yet receive type settlement resolution offer feel obligate pay service originally request via telephone call refuse acknowledge misunderstand revision minute massage force pay higher rate minute massage never provide force take legal action',
 u'pay barclay months pay believe monthly charge plus extra toward past due balance statement send email monthly barclay link log see statement remember log information call company request help direct collection agency give full account information assistance log see account state access information collection agency connect barclay request assistance state barclay account yet send email monthly statement unable switch paper statements know account number someone account call daily collections despite pay weekly',
 u'credit report list item serious delinquency contact consumer finance agent say report delinquent several credit card payments contact say check save account name file account close years ago record credit card say could check archive account close report delinquent credit report',
 u'although make payments time macy continue lower extend credit offer several time year without proper notice',
 u'late payment assess late fee top charge interest balance annual rate interest rat historic low type fee rat outrageous simply wrong',
 u'sign barclay credit card c present sign process c card receive significant difference apr card advertise apr open account base credit worthiness call barclay customer service bait switch resolve say would file write complaint provide documentation',
 u'inform raise apr new purchase inform raise apr lower average rate new applications similar card',
 u'co xxxxdear sir madam herewith file complaint unethical uncooperative use harassment tactics use credit report power intimidate harass try talk refuse listen become admit hospital hospital miss payment make full payments release hospital creditors cooperative work diligent responsible meet obligations show hostile threaten behavior force make tough financial decisions meet demand submit payment online payment system method make payments since lease vehicle reason charge account payments find personal account negative pay bill call advise take payment advise need contact need resolution hobank otherwise take least weeks get matter resolve immediately contact phone minutes advise matter resolve receive call collection advise account default explain lady error make authorize payment process make payment shortly rude uncooperative state make mistake refuse review submission information data base state late payment report frustrate get anywhere conversation advise action fair ethical call days later talk gentleman advise see payments make correction process do right ask make payment date payment account make payment online prior call promise would advise collection remove late payment report late report never remove keep add every month lease expire attempt purchase car since exceed allow mileage know best option contact dealership colorado work purchase car representative call state still owe lease advise lease expire attempt purchase call avoid argue pay amount request receive another call request payment advise lady phone call advise purchase car also call vendor company require inspect car return advise purchase car work dealership inspect car complete use car certification could refinance vehicle disappoint advise lady report unethical behavior esteem agency receive call dealership advise negative remark report credit negative installment trade make refinance difficult request able finance car practice cause financial challenge add severe stress ail heath condition sh',
 u'send letter inform process payments electronically anymore letter send certify mail receipt send letter certify mail receipt show receive sign mail xxxxxx letter enclose mortgage payment month amount cash check clear account business days receive letter try make electronic transfer amount also incorrect amount mortgage payment clearly violation electronic fund transfer act cfr c consumer right stop payment state consumer may stop payment preauthorized eft electronic fund transfer consumer account notify financial institution orally write least business days schedule date transfer result try complete eft amount cover mortgage already pay charge hold check account insufficient fund call try collect additional money well check clear call talk several representatives either refuse help try collect money say help explain mortgage payment due yet representative say eft try process payment explain continue pay mortgage monthly check longer use eft also reimbbank e make whole result insufficient fund charge due violate federal regulation regard electronic fund transfer act copy letter mail well certify mail receipt ps form domestic return receipt need provide',
 u'purchase new car florida talk take minimum loan chrysler capital get discount assure could pay payment salesman manager keep try get ssn refuse give finance person confess new unsure condition loan could give information payment amount information would give date payment tell want pay soon possible say would wait contact month later receive first payment voucher voucher payoff amount list try make full payoff phone automate teller would let make payment talk customer rep supervisor say could payoff loan phone would mail new higher estimate payoff amount could show anywhere voucher require supervisor give different address mail payment tell trust directions mail new higher payoff address voucher seem operation make process maximize interest return hope credit account decide charge interest',
 u'scam artist service llc co debt collector print notice receive today notice date purportedly advise service transfer allege loan company payments remit ga address effective p ga scam artist collect allege account already close reflect credit bureaus additionally follow mark intentional misrepresentation consider fraud usc e notice say communication provide regard secure lien reference property purport servicer owner lien usc f f albeit allege account already close notice bear letterhead photocopy original also address ia replace fl notice indicate allege account principal balance facts account close make illegal attempt collect fail debt validation involve regulatorydept office ca office consumer ombudsman issue letter advise disregard collection letter also hire illegally attempt collect could validate allege debt since stop collection efforts cease desist issue ftc complaint file today reference number debt validation also issue shortly service llc thank help investigate enforce authority offices stop fraudulent unfair debt collection practice hurt consumers',
 u'visa member pay annual fee advertise benefit hotel stay book hotel reward program credit card customer change term longer offer benefit night free hotel redemptionshttp',
 u'card years within past year problems account first problem email statements deliver regularly since result several late charge check junk mail folder delete items receive statement receive another unil lead second serious problem log account pay account payment go record log however record payment frustrate late fee email problems pay balance cancel card recieved another statement payment go call tell record payment cancel reason maybe glitch transaction cancel concent without notification try get late fee reverse statements hour phone admit mistake transaction representat state case currently pending internal investigation',
 u'credit report report appear account online report days late account instead say account charge online company report account current payment days late company call request payment account still active charge',
 u'hold mortgage mortgage company since behind pay mortgage contact tell husband company slow able catch try make payment website establish account could go successfully contact agent agent advise assist days later send mail tell include accoutn payment odd payment make assistance agent fear something right go pay account go call automatic phone line initiate automatic payment receive email confirmation payment receive days notice money cash account call talk agent ask money cash agent tell post want make another payment worry last payment cash receive call someone identify representatitve first sentence conversation go record unsure person inform agent go record conversation agent hang phone ensue incident cascade conversations representatives depict lie excuse receive payments post offer pay way besides automatic vocie mail bring account somewhat date refuse accuse put wrong information cause intake system reject payments tell pass day limit could pay cause lot frustration distress',
 u'agree fee charge loan company name acs mail letter state owe almost dollars student loan attend class take loan pay recently get notifications say dollar loan apply say loan look acs saw fraud debt collector would like report',
 u'mortgage service fail reduce principle offer relief order regulatorydept agreement date receive legal foreclosure paper appear district court michigan number feel abide order',
 u'mortgage modify hamp program term years months change month month statement due reflect change p amount incorrect get interest portion correct principle miscalculate balance loan payment maturity dateis leave months leave yield new principle write statement speak number option enter ext call back around ask copy modification agreement responsibility supply buy service completepackage correctly change correct month month need document simply err calculate correct principle pay mortgage online cobank e website would accept smaller payment pay higher amount instead correct amount additional burden due mistake consider admit right claim could change term without proper documentation well arrive correct amount stupid service company compute simple change mortgage',
 u'contact apply make home affordable program loss mitigation specialest will help request deed leiu base hardship longer want property owe worth need work could n afford base hardship move forward contact every weeks advise check document move forward well tell accept application lawyer would contact inspection property would do prior final approval point things begin change contact another individual push matter ask contact anyone yet latter even lawyers office call verify mail address inform happen next tell paperwork return schedule inspection would notify turn utilities inspection come back clean would tell file paperwork would final approval recieved paperwork lawyer look good sign return meet deadline give wait inspector call set appointment give key communication stop week go dark wait know time make sure property clean debri remove even paint unfinished room replace light days away property go get mail neighbor tell previuos saturday force way change lock key still work back door destroy pry bar remove deadbolt call even talk deed leiu department complain damage never call tell lawyer order inspection twice problem title would email inspection report never recieved call lawyer next day ask paperwork file problem know nothing tell order inspection would call back days meantime complain inspection company get police report force entry tell damage key lock n follow complaint recieved letter date say normally take days problem account receive letter approval denial lock change notice control property post doors never recieved approval denial write yet take property forcefully rather tell paperwork do n matter approve deny cause property damage one return call confirm access site information displayd property happen paperwork',
 u'advertise benefit card redeem thank point cents per point use point purchase ticket cents per point ticket airlines designate travel agency n disclose anywhere cost ticket inflate e charge ticket ticket book sit like etc case still fair please disclose program really work',
 u'credit card personal visa card account open months ago send communication cut core benefit card hotel night longer offer book reward stay nights primary reason open account part card act regulatorydept rule think issuers allow cut card benefit first year cardmembership charge annual fee benefit pay open remove benefit year annual fee pay feel seriously deceive mislead deserve refund annual fee minimum additional point compensation credit pull false pretenses thank help',
 u'try get loan straighten years must admit partially responsible take bad advice get behind payments problems seem get bigger try get loan modification send paperwork least occasion ca n seem get enough try since last time file bankruptcy keep put house auction think paperwork need try get house payments figure start make try get modification luck call try get info one seem give straight answer anything keep get transfer nothing person suppose contact keep transfer departments hold min numerous occasion come away nothing send many email call contact tell check account get back never send letter bank ethics dept several occasion problems keep send phone number person try straighten constantly last couple weeks get nowhere slow person talk figure much payments suppose anything concern account want get answer start make house payments regular basis house go go back auction block year old vetran serious medical issue stress help situation bite want get straight answer handouts nothing free move leave life wind streets lot email send receive however n start last week thank read',
 u'change term applicable credit card payment annual fee application specifically state holder receive night stay free award night book compensation payment annual fee purport adjust term contractual obligation annual fee pay reference make follow advertisement credit card clearly state benefit return payment fee proper resolution continue provide benefit card anniversary refund fee unacceptable contractual obligation cardholder meet regulatorydept require specific performance value free night far exceed annual fee protection v airline make change program payment annual fee referral commissionjunction',
 u'file chapter home include discharge call sps discuss options short sale deed lieu etc rep state since children could get move expense advice attorney say call oppose law firm find sale date home call leave message ask information one ever call back check attorney unable find sale date hour home would receive register letter state court case would confirm sale home talk notice three weeks plus one would let know sale date call sps say eligible say sale already take place ask n explain fall csr say provide contact number reply n csr ask fall plus sps mail information could mail n phone number csr blame follow tell never process would know say still due short time frame place go live hotel children ca n imagine could make difficult come chapter cash poor desperately need money sustain live hotel cover move expense set residence elsewhere',
 u'card years within past year problems account first problem email statements deliver regularly since result several late charge check junk mail folder delete items receive statement receive another unil lead second serious problem log account pay account payment go record log however record payment frustrate late fee email problems pay balance cancel card recieved another statement payment go call tell record payment cancel reason maybe glitch transaction cancel concent without notification try get late fee reverse statements hour phone admit mistake transaction representat state case currently pending internal investigation',
 u'credit card personal visa card account open months ago send communication cut core benefit card hotel night longer offer book reward stay nights primary reason open account part card act regulatorydept rule think issuers allow cut card benefit first year cardmembership charge annual fee benefit pay open remove benefit year annual fee pay feel seriously deceive mislead deserve refund annual fee minimum additional point compensation credit pull false pretenses thank help',
 u'change term applicable credit card payment annual fee application specifically state holder receive night stay free award night book compensation payment annual fee purport adjust term contractual obligation annual fee pay reference make follow advertisement credit card clearly state benefit return payment fee proper resolution continue provide benefit card anniversary refund fee unacceptable contractual obligation cardholder meet regulatorydept require specific performance value free night far exceed annual fee protection v airline make change program payment annual fee referral commissionjunction',
 u'reach company numerous occassions state account belong would like prove sign documentation copy photo id',
 u'credit card account capital one earlier year husband really struggle due lose income along stress low income sister sick mother suffer could posablly mother law physicaly mentally also live hobank away depend traffic need quite often mention husband child also work full time demand job equally demand boss streeful job personnel life find difficult keep remember absolutely everything know time able afford make minimum payment credit card account take initiative call capital one set automatically take minimum due month credit card could afford otherwise months later reseved letter mail capital one state pay account months close shock upset call capital one find already close account try explain speak represenitives payments set automatically take account month must horable mistake make get account close absolutely nothing could reopen nothing could help devistated tear try look online capital one departments call help situation matter department try call always take back original department first talk refuse help point time pay account full current stick make payments account ca n longer use credit score work hard rebuild greatly effect capital one company loyal customer payment arrangement screw always pay time credit card account since get years ago refuse help even hear take fault fact pay better attention statements make sure money take arrange n feel deserve account close credit work hard rebuild ruin unfortunate misunderstand n even give chance plead case even though company screw n follow throw payment arrangement would like chance hear possibility account reopend hard work nothing think part bother point feel hopeless get cooperation capital one pray help',
 u'advertise benefit card redeem thank point cents per point use point purchase ticket cents per point ticket airlines designate travel agency n disclose anywhere cost ticket inflate e charge ticket ticket book sit like etc case still fair please disclose program really work',
 u'visa member pay annual fee advertise benefit hotel stay book hotel reward program credit card customer change term longer offer benefit night free hotel redemptionshttp',
 u'capital one cc say owe credit card never open use card years ago file chapter bankruptcy since',
 u'contact telephone leave record message credit card assert fraud involve card replace call ask issue tell everything fine ask speak manager happen receive information investigate fraud month explanation forthcoming call get answer despite talk manager say investigate ask investigate get reply data breach ask get response either card insecure company action questionable major issue involve firm hide please help find go',
 u'demand payment old annual fee dormant account otherwise balance charge encounter severe problems affect health wife manage business affairs insist collect annual card fee time despite fact send notice account idle least years unconscionable receive ask service time',
 u'request modification mortgage send package payment plan months inform successfully complete trial period send detail new payment plan show principal interest escrow amount total interest rate receive statement payment show interest rate principal interest escrow receive principal payment interest escrow still interest rate receive payment request understand change amount interest rate initially mortgage approx years unable make payments time divorce ask modification appear years want pay monthly still subordinate mortgage pay try many time remove escrow allow pay self since never late miss modification appear care response get pay mortgage sell house',
 u'visa card change card benefit language agreement sign clearly say get free night pay fee live term condition',
 u'property foreclose status redispose back lender judge say longer responsible mortgage anymore free debt try collect mortgage debt several years later explain foreclose release debt mortgage property anymore go back lender experian would delete account account close contact ask account years old need delete mortgage customer service rep say resolution go positive status explain give back lender would pay something n say stay positive good stand section n ca n buy anything show balance n say age account illegal stay credit show nothing completely come credit report resolution close account years like purchase house ca n please help situation thank',
 u'vehicle repossess due allege default lose job call toyota financial service advise would late payments say late fee would assess miss months payments car would file repossession miss payments pay call toyota explain would able continue payments hire previous employer know already months behind agent tell would fine continue pay long catch call advise would pay past due balance within week may able pay agent tell would notate account would give chance get payments go log account pay account lock call toyota financial service tell car pick repossession night explain story man redemption department say nothing state account ever call speak somebody say note reflect call repeatedly never answer admittedly number call multiple time per day everyday whenever answer dead air hang n time sit phone minutes wait somebody answer phone call either way time speak agents financial department assure could get payments never tell account repossession receive letter toyota mail n think open already speak phone think everything order understand hold standard ensure pay due balance however state talk financial department multiple time tell would accept payments go make payments even date tell would accept unable come find repossess car anyways submit boyfriends laptop account paperwork information apartment another computer',
 u'credit report reflect history payments per agreement debts except macy open macy account macy recommendation also open separate account jewelry furniture purchase subsequent year macy consistently mis apply payments account result delinquencies positive balance others try send payment separate payments nothing resolve problem call macy every month allocate payments finally close account frustration know would hurt credit',
 u'terrible experience inappropriately charge pay recur ghost loan fragment helocs home equity line credit concrete recent examples incompetently incorrectly service heloc payments early year incorrectly show account statement principal balance pay actual fact neglect post transaction use check buy share particular stock heloc account balance repeatedly go personally plead examine find amount completely honest forthright serious error would favor experience personal bankers would say oh loan department responsibility make things even worse recently reveal even physical loan department therefore problem heloc emerge seem available correct address issue instead collective shrug abdication responsibility last month finally get post amount heloc principal balance eager pay obtain true zero balance account pay principal even obtain print account inquiry show indeed case next morning awake see balance along accrue interest back heloc account completely enrage go go argue bankmanager call regional president office town vacation file formal complaint bellow finally local branch manager say would fix problem tell nice day nice day shout totally ridiculous would ever want get another heloc well apparently local branch manager finally correct issue heloc principal balance back true zero get phone call president market ask problem point n go trauma neither local branch manager need get book keep loan payments clean responsible lenders hope another mysterious ghost loan fragment n somehow reappear heloc principal balance',
 u'apply home depot credit card false promise home depot cross pky nv apply home depot credit card purchase appliances apply credit card tell things home depot match appliances price competitor like best buy etc spend lowest possible price items market receive promotional discount apply home depot credit card new customer card holder interest additional percentage discount transaction thus apply home depot credit card new customer receive apr account months percentage discount transaction home depot refuse honor match price best buy promise contact home depot store manger couple time email manager exchange well phone call home depot headquarter however home depot fail recognize promise make lure apply home depot credit card false promise apply home depot credit card make make purchase account go online best buy see best buy price lesser home depot lower bougth total appliances home depot qualify price match best buy samsung washer best buy price time samsung dryer best buy price time laundry pedestal best buy price time laundry pedestal best buy price time discover best buy sell cheaper home depot thus qualify home depot match price best buy go home depot store ask price match manager say honor deal originally promise also send email store manager home depot customer service department attempt resolve issue attempt unsuccessful tell get price match sign home depot credit card condition would sign credit card price match advertise promotion promise home depot tell time price match available would go best buy instead deceptive apply credit card sure miscommunication home depot point exhaust available options try resolve issue furthermore appear like fraud lure apply home depot credit card ca n imagine many people face situation unable anything resolve issue victim big corporation fail honor promise number purchase transaction process',
 u'systemic issue wish address regard td credit service offer email alert payment due rather offer text alert mean pay text do deliberately people late credit card payments people n want pay texts issue must address systemic issue get behind payments time credit card time email alert alert days payment due td however allow email alert allow text alert scam ripoff must address',
 u'dear consumer financial protection bureau understand actually transpire target read letter attach read card belong target credit card apply credit card target time allow scam work target employees already proceed adversely report credit bureaus also see attach letter date write remove adverse report days might choice file lawsuit decide lodge complaint could resolve matter via humble office target regret ever mess',
 u'borrow home time pay borrow company sell another time even though n make payment boa pay mortgage company call get jam get behind payment finally get things square away call boa try resolve problem tell would pay mortgage per month til catch people speak say could n pay start speak obama home retention program time attorney come modify mortgage somewhere around per month pay amount months permanent mortgage payment pay payments send letter say qualify make long story short retain attorney name foreclosure prevention project long time end court judge award somewhere around years ago years ago send payments would send check back say n enough think different modifications gt write check credit day hit credit whole start credit great atleast close say lawyer go back forth couple years hit agains credit either late payments non payments put negative remark credit even accept payments',
 u'contact mortgage lender automatically withdrawal house payment check account prior mortgage become days late let know want stay within minimum day rule accordance law c f r section f become effective make complaint due fact nothing come account nothing pending currently review loan modification stall ask documentation irrelevant hop deny ask show deposit statements already cash bonus receive cancel check bonus knowingly possible statements time frame receive bonus try find ways deny eligible applicants loan modification struggle keep home try get loan modification since',
 u'start call attempt time logon account would hence attempt reset password third attempt fail call toll free customer service line time time avail able reach customer service center close end need pay credit card least something attempt resolve financial mismanagement problem involve scam',
 u'order bracelet jar com send back within days jar galleria jewelry continue bill call hobank day night bracelet yet jar galleria jewelry want pay bracelet request new bill statement jar galleria jewelry do confirmation ship number prove ship bracelet appreciate kind assistance thank email xxxxxxxxxxxx',
 u'sign visa years ago come prescribe benefit pay annual fee pay year renew annual fee remove best benefit stay nights receive free ask refund annual fee since choose honor term agreement sign refuse clearly breach contract ask regulatorydept get involve attach document show benefit describe statement benefit include pay annual fee',
 u'initial mtg servicer extend modification loan approve execute title company home decide make change servicer never receive notification mortgage pay directly title owner company reject third payment find loancare new servicer conversation support via email actual mortgage amount suppose pay challenge amount even though favor n modify mortgage accept modification force pay higher amount assign send file attorney without write notice large amount email title mortgage even lesser modification yet try honest challenge amount dollars less escrow claim mortgage short decide send foreclosure attorney till pay exuberant amount money base mortgage assign vs execute modification also return back fund sit escrow apply happen amount claim short begin accept modification apply fund leave escrow n want loose home fact less due severe clerical unjust error end feel almost fraudulent scam behalf hold execute modification time tick oppose counsel',
 u'write regulatorydept four months ago service stall work modification contact get immediate call chapter work thru court makingpayments agree offer new payment add thousand dollar payment end loan trustee say acceptable approve mod lawyer say balloon payment allowedin government program hamp harp company allow work mod since make trial payments still help know cite foe mislead help homeowners distress force pay home worth lessthan loan amount payments show monies go ideawhere money go keep add fee',
 u'card holder bb since learn put block account susp ected fraud without contact close account reflect poorly credit report list account close credit grantor derpgatory remark bb ts action arbitrary capricious negligent',
 u'vehicle remotely disable automatically know morning way go church car would start want file complaint corporation regard matter want compensate loss suffer regard matter able go church able deposit payroll account addition notify advance notify write telephone person action accord knowledge set automatic electronic payments car payments ever since take fund know make contact regard matter issue inform one also daily basis stalk work continuously want stalk stop immediately annoy criminal offense need credit acceptance stalk place employment want stalk activity cease immediately report local police authorities',
 u'background business credit card use local transactions transaction amount usually within hundreds dollars fico score never late bill happen business credit card find fraudulent transactions credit card mine frauds charge card merchant call call immediately share frauds request dispute call agent try convince remind make transactions forget call agent transfer another team call associate read mins business areas still try convince make ignore clear explanation know must frauds insist dispute tell side actually saw transactions card confirm never purchase anything transactions card frauds outcome phone call understand take care dispute frauds close old card send new card although never get verbal communication happen several phone call next week regard issue repeatedly request send verbal communication plan fraud transactions claim send communication never receive instead receive bill ask pay card balance include fraudulent transactions call dispute bill due exactly week business days since call frauds call question bill receive tell usually take days remove dispute balance card also take days communication letter arrive house none happen tho tell keep wait wait n take care fraud either pay frauds take hit consumer credit score delinquency bill also phone call call agent tell fraud transactions get dispute swear tell first phone call call agent also claim ca n see account activities account still set honestly n know set mean receive new replacement card activate set online account right away days say account still internally set nothing customer call agent point see account activities today still n receive communications plan frauds many frauds exactly take care still balance bill pay',
 u'visa card change card benefit language agreement sign clearly say get free night pay fee live term condition',
 u'arrive day vacation follow day go attempt pay card decline immediately call customer service speak fraud supervisor require provide place social security issue driver license number inform would reactiviate account reason purchase decline make purchase later day another purchase decline call tell card compromise nothing could do monday reactivate card even though questionable attempt use card ones document even though inform later force sleep car cancel vacation without use card say nothing do monday management present',
 u'credit report reflect history payments per agreement debts except macy open macy account macy recommendation also open separate account jewelry furniture purchase subsequent year macy consistently mis apply payments account result delinquencies positive balance others try send payment separate payments nothing resolve problem call macy every month allocate payments finally close account frustration know would hurt credit',
 u'background business credit card use local transactions transaction amount usually within hundreds dollars fico score never late bill happen business credit card find fraudulent transactions credit card mine frauds charge card merchant call call immediately share frauds request dispute call agent try convince remind make transactions forget call agent transfer another team call associate read mins business areas still try convince make ignore clear explanation know must frauds insist dispute tell side actually saw transactions card confirm never purchase anything transactions card frauds outcome phone call understand take care dispute frauds close old card send new card although never get verbal communication happen several phone call next week regard issue repeatedly request send verbal communication plan fraud transactions claim send communication never receive instead receive bill ask pay card balance include fraudulent transactions call dispute bill due exactly week business days since call frauds call question bill receive tell usually take days remove dispute balance card also take days communication letter arrive house none happen tho tell keep wait wait n take care fraud either pay frauds take hit consumer credit score delinquency bill also phone call call agent tell fraud transactions get dispute swear tell first phone call call agent also claim ca n see account activities account still set honestly n know set mean receive new replacement card activate set online account right away days say account still internally set nothing customer call agent point see account activities today still n receive communications plan frauds many frauds exactly take care still balance bill pay',
 u'dear consumer financial protection bureau understand actually transpire target read letter attach read card belong target credit card apply credit card target time allow scam work target employees already proceed adversely report credit bureaus also see attach letter date write remove adverse report days might choice file lawsuit decide lodge complaint could resolve matter via humble office target regret ever mess',
 u'reside new york hereby state record consumer financial protection bureau currently report charge account accept number payments negotiate settlement however since account basically satisfy third party still violation fair credit report act maintain charge balance account show balance rat pay settle stipulate negotiations agreement pertinent credit report agencies respectively',
 u'apply home depot credit card false promise home depot cross pky nv apply home depot credit card purchase appliances apply credit card tell things home depot match appliances price competitor like best buy etc spend lowest possible price items market receive promotional discount apply home depot credit card new customer card holder interest additional percentage discount transaction thus apply home depot credit card new customer receive apr account months percentage discount transaction home depot refuse honor match price best buy promise contact home depot store manger couple time email manager exchange well phone call home depot headquarter however home depot fail recognize promise make lure apply home depot credit card false promise apply home depot credit card make make purchase account go online best buy see best buy price lesser home depot lower bougth total appliances home depot qualify price match best buy samsung washer best buy price time samsung dryer best buy price time laundry pedestal best buy price time laundry pedestal best buy price time discover best buy sell cheaper home depot thus qualify home depot match price best buy go home depot store ask price match manager say honor deal originally promise also send email store manager home depot customer service department attempt resolve issue attempt unsuccessful tell get price match sign home depot credit card condition would sign credit card price match advertise promotion promise home depot tell time price match available would go best buy instead deceptive apply credit card sure miscommunication home depot point exhaust available options try resolve issue furthermore appear like fraud lure apply home depot credit card ca n imagine many people face situation unable anything resolve issue victim big corporation fail honor promise number purchase transaction process',
 u'notice report inaccurate bill information credit report dispute amount company report days late credit report knowledge contact company company still report balance investigation law company suppose report dispute amount person credit report untill investigation fully resolve company address problem tell company knowledge balance knowlegde collect payment tell express fraud alert credit report company call number company provide match number company someone open account name affect credit negatively company engage identity theft fraud ask company stop report negatively credit report untill dispute amount resolve',
 u'systemic issue wish address regard td credit service offer email alert payment due rather offer text alert mean pay text do deliberately people late credit card payments people n want pay texts issue must address systemic issue get behind payments time credit card time email alert alert days payment due td however allow email alert allow text alert scam ripoff must address',
 u'sign visa years ago come prescribe benefit pay annual fee pay year renew annual fee remove best benefit stay nights receive free ask refund annual fee since choose honor term agreement sign refuse clearly breach contract ask regulatorydept get involve attach document show benefit describe statement benefit include pay annual fee',
 u'start call attempt time logon account would hence attempt reset password third attempt fail call toll free customer service line time time avail able reach customer service center close end need pay credit card least something attempt resolve financial mismanagement problem involve scam',
 u'last week apply use car loan financial institution ask loan also tell loan processer hop would need loan less k finish negotiations car quote rate loan conclude negotiations owner vehicle sale give owner personal check remainder need loan call execute loan tell amount less k interest rate would higher higher rate complain speak several different people loan department result rat quote still refuse give rate originally quote even though screen print website show rate loan claim would take k higher amount loan could still get rate lesser amount rate would higher make sense since risk smaller loan amount less larger loan amount nothing classic bait switch tactic disreputable loan shark might understand tactic n expect dishonorable dishonest behavior prosecute bait switch tactic fullest extent law',
 u'trouble payments handle attempt make payments private loan sallie mae since instance payment submit reverse therefore incomplete total payment amount amass ridiculous total since payments process sallie mae force forbearance solution could offer still experience issue many hobank spend deal sallie mae customer service reach solution wish enter forbearance simply wish able make payments good faith try quite time interest continue increase sallie mae resolve issue insufficient fund payment card reason military wife live overseas husband afford pay thousands dollars towards loan month build interest sallie mae unfit handle process loan time',
 u'complaint today take money credit card place back receive original complaint per find reason take money important tell miss close date one say per investigator saw materials refund give sleep car portion ask say elect take voucher call would know send copy first response page page send idea full response therefore could respond say mortgage credit card guess continue fight think separate ask number give computer ticket lady agency',
 u'original sell mortgage back try get modification ever since time make payments three months three months deny next try short sale almost year back forth finally try modification get payments later ask explanation want lose house almost impossible milk time total amount grader right',
 u'recognize account mine need remove identity steal result identity theft include copy police report copy identity theft affidavit',
 u'hyundai motor finance add past due balance credit report hyundai trade hyundai dealership sell car balance due lease lease contact sign show carry balance new lease try explain hmf avail hmf still insist owe provide hmf check send hmf like outstanding balance remove credit report ask credit reflect pay full agree',
 u'trouble payments handle loan buy education service recently loan high interest rate low interest rate intentionally put extra principal amount toward cheaper interest rate law legally break law steal even request pay loan correctly mandate set many people legally steal put business shady practice criminals',
 u'credit card years account close balance credit report agencies report different information account report day late payment time payment report day late payment time payment write boa time try resolve submit inquiries result somebody wrong want boa stop report account altogether since ca n get record straight',
 u'mortgage company flat lie modification application encourage begin struggle payment due loss income employment try go process provide conflict information tell document go underwrite decision weeks contact call tell review do never get paperwork go months frustrate current mortgage payment close half current income know government program help people like sps give runaround husband work forxxxx years run business last years lose several clients due bad economy parent could longer afford service coincide lose hobank job put bad situation also take foster children periodically past years help supplement income unfortunately bad experience last foster child take heartbreaking take new kid fall couple months behind payment tell sps would review application modification assistance send package communication several weeks call tell paperwork lose need send send paperwork call follow agent deflect conversation collection call demand know would make payment begin get correspondence try get agree short sale deed lieu foreclosure even though sps never even open review options save home actually build husband uncle recent call tell everything need review file go underwriter decision wait weeks call back find decision tell sps paperwork review could conduct go tough stretch do everything comply request financial information take job work supplement income n understand sps treat customers poorly scrap every bite make sure bill pay train supervisor work many hobank allow resolve issue sps know government program design assist people like know fit program guidelines n know sps give hard time allow access program',
 u'apply mortgage due income loan ratio tell would receive approval underwrite department could take business days ask way expedite process sellers would like good faith estimate gfe guarantee creditworthiness mortgage representative say way make process go faster call mortgage representative state underwrite department wonder assets available give information tell could another days decision tell representative situation already wait days think restart day wait reiterate way make process go faster notify loan approval ask lock rate program year conventional loan say inform would send loan paperwork gfe via ask representative make gfe available electronically could send sellers house try purchase representative tell would make information available via electronic document system document still unavailable electronic document system however arrive via incorrectly show interest rate origination discount fee never ask agree approximately arizona time call ask go mortgage representative verify lock rate new document would send inform need gfe give sellers already take days longer ask either send document electronically via fax state contrary tell previous day mortgage document cannot send electronically department send fax already go home could accommodate request',
 u'receive phone call case representative regard complaint receive incorrect tax form rep state boa review interest payments form indeed correct tell misinform incorrect keep go partial claim nothing interest pay advise wait paperwork send via mail breakdown however inform already receive breakdown boa regard payment interest transactions document show monthly payment interest pay total interest pay document send boa contradict say original correct instead representative listen awknowledging fact didnt need waste time wait another week since already receive breakdown boa totallly dismiss attach interest breakdown boa documentation send cite case number well incorrect form need take care immediately ia almost deadline tax deal since early addition matter hear anything dispute cite case number regard miss payments boa behalf state cite case number response supply documentation prooving never miss mortgage payment except boa direct attach document well',
 u'receive property tax refund county last years tax check deposit escrow account loan service center return escrow balance currently amount owe year months year',
 u'investor mortgage servicer one seem able tell n qualify national mortgage settlement lower principal get refinance lower interest mortgage own would like able refinance today low rat per settlement agreement keep get run around actually tell employee loan must mistake',
 u'submit loss mitigation package attorneys servicer sps receive denial letter date sps attorneys months late incorrect npv gross monthly income amount incorrectly deny hamp tier eligibility send sps attorneys notice appeal consist explanatory letter spreadsheets show waterfall calculations letter date sps deny appeal claim provide documentation past day appeal deadline respond letter date cite letter attach herein',
 u'mortgage payment without notification call find get run around answer get shortage escrow cause increase way shortage escrow could extra month payments automatically deduct never miss late payment keep say someone get back still n happen pay exact amount last two years sudden double money refund',
 u'search loan online receive email claim financial represenative say loan approve credit score low pay first installment purchase green dot prepay card pay fee soon receive loan say fdc hold owe tax loan originally contact fdic fdc',
 u'recognize bankcard account result identity theft need remove immediately',
 u'mortgage processor email complete va form social security number date birth full name address prefilled form without read protections encryption since felt would faster use encrypt bank website send form internal company policy prohibit email mortgage form risk identity theft state another representative earlier mortgage process request loan pre qualification letter despite claim opposite email encrypt feign ignorance encrypt email work state network encrypt thus email well deliberate act email va form personally identifiable information pii via unsecure email without document protections require password open file expose potential identity theft beyond issue throughout mortgage process refuse honor wish contact telephone instead email cause delay provide documentation also fail explain process mortgage officer appoint may officer cancel application begin another quality mortgage officer vary widely apparently completely unable read customer profile marry insist ask new officer assign become adversarial event customer manager management officer similarly terrible promise follow even phone call return request help intend ever use future mortgage would recommend anyone either',
 u'accept response issue relationship manager act official representative mislead directly cause situation design systems accountability complaint mislead information back date begin date loan modification process cause loan become days past due therefore subject foreclosure proceed also refusal accept monthly payments also direct result action employees lump sum due acceptance high premium repayment schedule monthly payments resume action direct result action employees remedy put loan back original state loan modification process start especially since directly ask breach days deadline assure proceed document approve modification would successful point also inquire letter ask letter administration power attorney last testament advise proceed inform year ago exactly documentation possess could obtain reference account holder statements say authorize account clear begin first initiate communication never advise proceed due authorization ability obtain require documentation complete modification underwrite department review document advise proceed modification review assure least twice document would suffice throughout entirety modification every single time request supply letter administration power attorney last testament question several time instruct proceed even receive notice ineligibility assume loan advise would still successful modification process ask another review department underwrite initiate process accountability representative mislead consumer ombudsman department direct back department system call complain say relationship manager consultations may record provide record review state clearly easily rule authorization documentation require modification information clearly define available begin ask review documentation distribute necessary departments review prior initiate action underwrite department advise proceed convenient mistake benefit relief state begin put loan back original status let monthly payments begin lump sum direct result action employees therefore consumer hold liable charge create change date tell stop make payments allow loan modification proceed start new monthly payments result information give directly employees loan current situation',
 u'obtain home mortgage bofa make payments time early many months pay extra mail payments bofa provide stub bofa provide envelop husband business fail since personal guarantors file bankruptcy get business debt attorney contact bofa let know would honor personal debt send paperwork bofa n instead send though proper paperwork bofa quickly change mortgage would go bankruptcy would unaware account change continue mail check bofa bofa cash check every month fail credit account bofa report months delinquent credit bureaus begin foreclosure proceed find get years worth free credit monitor financial information compromise steal lap top make call bofa try work things send copy check cash ironically include new mortgage account number stamp back prove make payments decide credit account late day make look like send check late months get bofa finally file complaint get involve bofa finally credit check proper date proper amount start send request payment different branch another mess require clean fail correct fraudulently file report delinquency credit bureau report though continue make monthly mortgage payments send early extra towards principal every month bofa refuse reverse delinquency report mortgage state discharge bankruptcy tell repeatedly request get paper work refuse change mortgage would go bankruptcy would battle bofa years issue say ask day window would right lie since bofa change mortgage account without tell credit bureaus erroneously report delinquent mortgage mortgage discharge bankruptcy even talk bofa eventually reveal deliberately do hurt late anything beyond windows time remedy impossible deal refinance home supposedly delinquent loan never late always pay amount due usually extra towards principal mortgage pay full today apply credit card turn delinquency ever delinquent many time prove bofa refuse remedy allege n thing certain time frame n tell deliberately lie make miss windows late correct anything tell truth anyone bankruptcy difficult time bofa deliberately lie commit outright fraud outrage bofa company never business level stoop hurt destroy consumers',
 u'good day write complain treatment receive lender servicer apply short sale property bayview loan service send document offer property bayview loan service forward person assign help process answer question process contact tell start home loan modification mod document need since mention would like keep home want suffer foreclosure bad track record approve mod court move foreclosure sale middle case assure good candidate mod confident would approve trial mod eventually payments make trial mod would move permanent loan modification word encourage agree move loan modification fill paperwork request bayview move short sale mod change section want sale home want keep home provide income information information request bayview send timely manner finally respond many phone voice mail email ask schedule c earn provide information request phone also send paperwork regard vacation rental income want omit profit loss request tell would explain everything underwriter get back next day days pass receive another letter bayview request information call back start call leave message daily basis also write least email date reach explain still receive request also possible reapply mod underwriter deny lose buyer home hear receive anything single word write beg please get back clear understand go elaborate information say would discuss bayview hear nothing back date send call email voicemail combine time even word try call bayview see get someone actually help concern question every time submit loan number get transfer get voice mail resolve mod issue home go foreclosure sale longer time short sale lose buyer much prefer keep home point income improve enough able pay mortgage little help bayview however seem string along take home put street even though appraise value home half owe explain underwriter grant mod number better get short sale investors owe house appraise bayview still try reach hear word email',
 u'speak rep chrysler capital ask want change due date tell want change due date mo n do find n do supervisor acknowledge procedure would lodge complaint president office speak today inform n access record pay attention statements ask record state keep days n know policy answer remove late fee fix credit',
 u'mortgage mortgage days late keep call mortgage payment even though within day grace period worst part matter keep call relatives another state never give information mortgage take upon skip trace number even though contact information hasnt change years mortgage',
 u'apply loan loan close receive notice loan sell receive letter require last week call come office office manager verify employment sign release make inquiry apply loan purchase loan advise permission make inquire regard would file complaint appropriate departments inform employer emphatically state give permission personal information release today form arrive office ask information regard rule would something would handle forward copy document employer would like stress behind loan payments make time month invasion privacy feel violate therefore want file formal complaint',
 u'payment approximately make final payment mortgage citizens claim send refund check home address amount within days receipt payment receive call request new check citizen customer support advise new payment would send receive check call tell send request new payment write citizens na ri mean fax post follow phone call customer service advise request follow closely matter previously mail check customer service representative put special request check send phone call advise call back confirm action take place get information expect check call back advise customer service change process check reissue direct call back within days issue waste time still without money',
 u'hi actually complete loan modification indymac mortgage shortly modification approve start make payments loan transfer service accept loan modification indymac mortgage agree instead raise payment almost want see legal options could help',
 u'receive letter state wilmington trust hold note mortgage believe false originator loan go bankrupt month close home currently state still mortgage yet service mortgage',
 u'get flexible payment options student loan first ok shape federal loan currently income base repayment federal loan payment month however private loan sallie mae go default ca n afford pay minimum payment sallie mae continue hound money account past due still refuse work repayment seriously consider file bankruptcy n know else',
 u'wife home mortgage last years notify mortgage transfer believe less notice require n days contact transfer want know',
 u'take service call file bankruptcy get case close caliber refuse adamantly send payment history refuse send escrow account request send without justification',
 u'go best buy purchase laptop put best buy credit card currently purchase ask want put best buy credit card say yes purchase make automatic payments set would pay couple months receive letter mail best buy state make payments credit card hit multiple late fee try explain possible credit card best buy purchase know would go current credit card ask remove late fee pay best buy would remove late fee would remove credit due error credit score decline hinder get loan type credit say understand point would nothing resolve know go open separate card would decline want remove credit pay want go history fault happen help matter',
 u'td heloc year draw period year renewal year renewal product longer offer td approach renewal td send letter inform need submit last years income verification husband employ tax return yet available call several time discuss requirements call record previous call receive final notification indicate paperwork need file business days due holiday miss deadline tell exception could make experience surprise due office comptroller currency occ guidelines home equity line credit near end draw period contact borrowers outreach program management begin reach borrowers well schedule end draw date establish contact engage periodic follow borrowers respond effectively issue speak several people td branch network tell exception possible indicate difficult time contact loan service would answer phone last week fax years worth tax return fax cover letter indicate tax return would follow receive letter td indicate deny due insufficientincome verification push repayment phase excellent credit score significant net worth could find someone help reason renew draw period additional years outline note apply local credit union anticipate approval shortly however preference would continue td additional years',
 u'apply contact underwrite department let know approve tell credit line days later call balance transfer tell account close due security concern would address reason present time receive explanation account close attach copy email proof open account',
 u'look someone help mortgage payments refer person specialist home modifications ask requirements ask pay help',
 u'credit card cash back promotion register purchase make thru ad say cash back purchase make qualify book toy electronics sport goods department store make purchase dep store receive rebate call credit card phone agent tell reason n qualify list consider high end retailer unlike store like believe false advertise know unqualifying store would use mileage card instead purchase cash back would n point falsely advertise promotion',
 u'lease brand new months ri payments automatically debit account month never miss payment buy ri figure mileage overage rest lease payments roll loan receive check somewhere payoff toyota financial service rest lease turn lease days purchase keep take lease payment gap insurance month roughly total stop payment try call want pay remainder lease receive bill never receive buy house credit loan approve work broker get score higher credit show balance toyota time payment show report attachment date last line item also see loan broker instruct call pay toyota clean report call pay representative ask make think owe say credit report even time pay account tell balance date call say send letter receive letter mail day call mind accord see attach screen shoot credit drop toyota report charge charge show late payment first time months credit history come home ownership credit rat drop unable afford high percent rate loan payment new home schedule close suppose close set toyota mess credit rat days ago lease turn early approximately end lease date want take credit report resume buy house term set place mortgage approval speak representatives past business days get research toyota make mistake would credit account take report one work call back demand take credit receive resolution tight timeline purchase sales agreement one toyota respond please see attach docs',
 u'make aware credit report realtime resolutions report current delinquent mortgage call resolutions speak representative express lien collection directly tie ca furthermore explain property foreclose upon inform erroneously report active delinquent upon credit report request remove immediately ask show proof foreclosure date along report credit report request email information do respond positively say would personally take care matter rectify within hobank hear nothing company call speak representative inform representative research report accurately mortgage forgiveness debt relief explain realtime resolutions law pass forgive debt secure ca request help regulatorydept matter handle accordance law attach proof foreclosure credit report erroneous report realtime resolutions call back',
 u'take loan springleaf financial speak lend clerk come office tell make sure bring driver license birth certificate social security card void check get office quickly go page page sign need close close time tell write collateral items loan also tell write whoever reference go call say lastly visit ask want set automatic payments use check account say would prefer pay manually however make copy check say proof check account send way chance read loan term find many many things deceptive like extend first payment charge request would would see sign little month later springleaf pull payment account exactly like ask payment return upon send back springleaf realize even signature pull payment call ask sign form send mail still possession allow happen two occasion pull money without permission double payment make prior month work know ach originator rule regulations meantime try contact email regard situations give information identify account prove customer never hear back say email want contact phone email however still continue call even call employer never give permission either',
 u'work loan modification take six years refuse remove call late payments payments make dispute sign new agreement make payments timely refuse lower interest rate refuse remove call late payments refinance someone else lower rate',
 u'get flexible payment options go school university month semester cost roughly tuition room food book attend price tuition raise every financial year time leave nearly loan debt try pay ca n keep high payments loan own national collegiate trust lose job like many time hit hard time go without job years loan end go creditors try work creditors try support family get back feet could n keep pay keep try work creditors finally get turn lawyer attempt collect way need help',
 u'recognize account open identity steal need remove asap',
 u'submit request modification rma pnc mortgage fully complete house rma governments rma form pnc mortgage review documentation deny request basis non borrower income allow live subject property borrower daughter attest reside property provide water bill name light bill also pnc mortgage representative inform place light bill name prove occupancy bill place daughter name certify non borrower application complete well non borrowers statement reflect subject property address pnc mortgage later deny modification state account switch back forth non borrowers contribution accept live property fact non borrower borrower live property add insult injury borrower attend conciliatory mediation pnc mortgage analyst legal counsel judicial circuit court state bank representative must attend mediations full complete settlement authority conciliatory mediation pnc mortgage representative state full complete settlement authority end hour half discussions pnc mortgage analyst declare make final decision review file investor loan could take place ask investor loan state know full complete settlement authority unfortunately venue borrowers turn effort cure flagrant disregard right borrowers like seem every turn pnc mortgage change rule confuse delay effort foreclose home please help',
 u'contact sear home improvement install heat air condition rental house nc give price advise interest free months interest would bill remain balance pay month months leave balance bill statement statement add statement since make another purchase contact sear phone statement find statement send sear home home improvement number statement go sear list company phone number beyond supervisor advise add retro interest statement bill pay full years interst would also add double digits percentage salesman sell unit tell pay charge amount credit account please help need help desperately request copy agreement online forward recd yet bad business tell many time sear pull type dishonest transactions citizens north carolina please help xxxxxxxxxxxx',
 u'report credit card name balance account mine report show account open account mine',
 u'go best buy purchase laptop put best buy credit card currently purchase ask want put best buy credit card say yes purchase make automatic payments set would pay couple months receive letter mail best buy state make payments credit card hit multiple late fee try explain possible credit card best buy purchase know would go current credit card ask remove late fee pay best buy would remove late fee would remove credit due error credit score decline hinder get loan type credit say understand point would nothing resolve know go open separate card would decline want remove credit pay want go history fault happen help matter',
 u'thbank day capital leave voicemail work say call fraud people call back card today work say fraudulant activity shut account ask hobank notify vendors link account say best card freeze transactions answer fraud questionnaire wait days new card mail feel unfair treatment able notify vendors give new card information work immediately world wait things arrive mail lastly company say tell name company personal information release ongoing investigation like say allow know finally capital one claim call cell phone could leave message reason call number apparently record call one point time turn boyfriend phone number ex boyfriend could dangerous possibly like could call number without ask permission use number appear predatory beyond cautious despite fraud know nothing know need know fraud need careful seem beyond careful leave feel like victim want know right come notification effect credit card fraud',
 u'recognize account account open result identity steal need remove asap',
 u'credit card years account close balance credit report agencies report different information account report day late payment time payment report day late payment time payment write boa time try resolve submit inquiries result somebody wrong want boa stop report account altogether since ca n get record straight',
 u'credit card cash back promotion register purchase make thru ad say cash back purchase make qualify book toy electronics sport goods department store make purchase dep store receive rebate call credit card phone agent tell reason n qualify list consider high end retailer unlike store like believe false advertise know unqualifying store would use mileage card instead purchase cash back would n point falsely advertise promotion',
 u'recognize account mine need remove identity steal result identity theft include copy police report copy identity theft affidavit',
 u'recognize account open identity steal need remove asap',
 u'contact sear home improvement install heat air condition rental house nc give price advise interest free months interest would bill remain balance pay month months leave balance bill statement statement add statement since make another purchase contact sear phone statement find statement send sear home home improvement number statement go sear list company phone number beyond supervisor advise add retro interest statement bill pay full years interst would also add double digits percentage salesman sell unit tell pay charge amount credit account please help need help desperately request copy agreement online forward recd yet bad business tell many time sear pull type dishonest transactions citizens north carolina please help xxxxxxxxxxxx',
 u'complaint today take money credit card place back receive original complaint per find reason take money important tell miss close date one say per investigator saw materials refund give sleep car portion ask say elect take voucher call would know send copy first response page page send idea full response therefore could respond say mortgage credit card guess continue fight think separate ask number give computer ticket lady agency',
 u'servicer utah request require document order negotiate loan modification borrower borrower receive completion notice say within one month examination notify borrower notification effect never receive thus far whereas require information notice numerously receive borrower sps repeatedly extend expiration date submission require information latest notification say date set however borrower recently receive numerous solicitation letter attorneys law private company offer legal assistance regard violation dual track single point contact insist public notice non judicial trust sale date set borrower receive notice sale select portfolio service yet list property auction consumer ombudsman specialist sps write borrower carbon copy address california attorney general office say please keep mind time document receive acknowledgement letter send processor review document another letter mail advise document need advise complete packet see last paragraph page say letter per attach hereto since borrower submit information numerously along say acknowledgement letter never receive borrower receive require information notice pre print boilerplate letter contain encompass document borrower never able speak call relationship managers single point contact different people sps call borrower ask redundantly already submit document information borrower finally give talk phone sps notify borrower state terminate verbal communication borrower yet sps call numerous time without leave voice mail',
 u'make prepayments mortgage arrive ltv originally indicate original amortization schedule assume mean automatic cancellation pmi apparently schedule mean originally schedule',
 u'additional fee amount time time continuously file complaint home loan fortunate enough outstanding program like save dream nurture frustration however continuously try abuse system inform counselor work neighborhood must monitor payments apply service inform work neighborhood save dream would contact mortgage lender total amount include attorney fee pass due fee etc would current date payments well case provide total dollar amount save dream current amount however save dream bill pay receive additional statement month amount prior payments follow additional charge overdue payments fee charge notify customer service department transfer foreclosure department inform additional fee attorney fee foreclosure fee etc inform fee include payoff amount get current needle say nothing resolve believe abuse system program need beinvestigated follow document current mortgage statement also list current complaint claim number attorney general fiscal federal trade commission claim attorney general claim countrywide home loan consumer financial protection bureau case federal trade commissionxx xxxxi call receive statement however inform payment make next payment due inform still would like statement call save dream speak inform make payment amount additional payment',
 u'pnc mortgage servicer hire include limit attorneys act notary steal home file complaints many agencies include regulatorydept ftc texas attorney general trustee property law firm pnc hire steal home image slander public notice acceleration post attorneys state substitute trustee yet days later self appointment record appointment substitute trustee document public record trustee deed trust beneficiary perform act authority perform begin nightmare theft property court process people pretend hold public office oath office public youth dispossess flee fear judge public servant mine county complete writ possession writ instructions man permission possessions remove property authority give man permission harm property know never consent purport authority steal use business court room dispute pnc mortgage entry credit report debt home steal claim notice acceleration pnc mortgage respond account close pay full never late date status note mark pay full receive national city force leave leave property due deceptive practice pnc employees employees law firm include fraud foreclosure action unconscionable action pnc employees employees law firm law firm employees record public county court law firm employees name pnc employees initiate theft property constructive fraud',
 u'receive credit card interest year get statement charge outrageous amount interest try complain customer service supervisor avail even say n interest rate offer switch statement another credit card suck big time',
 u'toyota financials incorrectly report late payments account call remove late paymeents another payments still show days late never late days mail call time still reverse',
 u'file complaint annual fee pay credit card include night free bonus use card collect annual fee decide remove benefit already pay',
 u'multi complaints start complaint process many single point contact keep track also ask multi contact correct credit report bofa say n pay mortgage receive letter say would get credit report correct still do also ask recent contact person look close last complaint w regulatorydept tell bofa believe correct n pay n pay time research easily able prove infact pay time full please see attach',
 u'trouble payments handle finance private student loan service aes aes receive payment new lender aes tell mail check amount overpayment overpayment result delay apply refinance loan document sign despite aes claim check send new lender new lender servicer receive refund seem unconscionable delay charge months interest overage amount refund overpayment take months digital age overpayments appear unavoidable consequence delay involve review refinance offer issue new loan servicer refund overpayment reflect online account call request special payment history receive explanation refund apply balance',
 u'keep get call loan ga campus speak school regard program decide attend current position years last years harass find another job promise return school would benefit future return campus sign enroll start end class class go ok apply field years really help follow require introduce class month program month class participation mock interview discourage tell could wear something better supervisor never speak n even know situation felt inappropriate rude instructor felt way ask bother saw demeanor change reassure day appropriate send resume approx time return alter even update resume completion program allow get kick externship site small practice call first time try speak regard concern site week prior incident wait approx weeks able find another site complete hobank externship graduate speak director director director education dean still get proper leadership concern future n instruct perform mock interview see even ready interview field resume n properly review address follow completion yet receive diploma get see go campus see financial aid regard dispute loan false allegations promise get subject reactions right month half later completion nothing witness lot unfortunate situations institute mine apply get understand insurance bill even though overall field years work insurance patients even insurance company hand patient care different classroom settings hear many separate occasion advance program agree lot classmates hard time follow felt proper screen applicates program advance completion program felt would n able get allow extern medical practice would let bill behalf relationships entire staff true tell extern ask return office start make hrly high also explain would take big cut pay top years field state tell sign program would do program even go spend money take certification test maybe help chance get hire make money n think fair n get kind resume support job search help ect understand complete program debt',
 u'original mortgage company home loan three years ago go major hardship divorce go healthy income income also transition work know trouble come contact tell default could work modify loan another three months default start offer assistance take months approve call loan modification attorney tell clearly make clerical errors forget include escrowed charge monthly payment apologize nothing could default loan modification however n matter time though pay period six months suppose trial period sell loan hand servicer inc sps learn transition contact sps enter loan modification process sps first think sps would help feel strongly play game legally allow every days contact tell new program open might fit mean would close current process allow apply new program trust think must know better homeowner agree every months happen enter second year point try believe hamp decline keep submit paperwork hit wall sps felt though string along n understand say n earn enough money month say earn much money month call ask income would need allow modification could get straight answer begin search law firm help loan modification communication process early sign agreement help structure loan modification application help communicate sps representatives law firm get runaround get sps however new twist add financially n earn throw wrench work process come appeal accord sps financial situation improve sps consider income average months get clear picture pay month new loan business freelance mean n receive paycheck like w employee certainly pay bill pay legitimate home inspection legitimate home appraisal come less appraisal sps continue use paperwork provide via drive appraisal tactics request via attorney sps consider appraisal home inspection report day two years ask things please give loan reasonable term remove arrears make loan much bear give affordable monthly payment escrowed hoa dues tax insurance would month feel like victimize sps break loan modification process put place help people hardship keep family home come realize program servicers help people',
 u'try retrieve final insurance inspection report insurance area refuse give copy forward copy insurer prove insurance company first claim complete ca n get new claim process seem like relate property access document please help',
 u'send offer weekly months include one day finally apply card tell call start ask sort extremely personal information trust question ask need info since credit report give reasonable answer say would get answer week say fine receive letter ask statements phone bill etc seem really sketchy call give run around excellent credit easy find ca n imagine issue credit worthiness security tell cancel application remove offer list also ask supervisor call see happen',
 u'finance chrysler send payment pay account full receive notice date indicate account settle title mail within days days extend year half finally receive title receive title proceed take possession car state account pay since retain attorney force rent car incur expense stress n otherwise deal attach copy document beg car return receive reasonable compensation',
 u'pass years deal lie get service know bill right continually violate send loan modifcation document mail give instructions proceed fill fax loan doccuments request work whith foreclosuer action happen never get notice time wher call tell sale date please help thank advance xxxxto servicingfrom xxxxre modification loan document dear sir madam attach document send via regular certify mail insure receipt vital document feel legal right continually violate send loan modification document mail give instructions proceed fill fax loan document request strangely receive work procure modification foreclosure action take time middle loan modification process highly unfair reference real estate law bill right please assure would like give opportunity continue modification process feel successful fulfil new loan contract please review document allow days complete without threat lose home accord stimulus program president obama bring forward save home please give consideration look forward hear soon possible since time sensitive thank advance xxxxoriginal send via certify mail',
 u'loan transfer home mortgage llc loan transfer work repayment agreement repayment agreement really affordable agree order keep home loan go ask repayment plan little affordable submit letter explain plan difficult make bayview offer different plan still affordable payments calculate correctly try explain asset manager time time make payment back payment post correctly cause loan appear though past due really time bayview force place insurance loan provide necessary document prove lapse coverage matter fact mortgage include escrow tax insurance n know ever question balance loan increase n really understand happen money suspense account go toward late fee etc tell asset manager money suspense go toward mortgage least ask could put money make payment show payments past due mortgage foreclosure yet paperwork complete loan modification submit bayview within next week would like investigate payment history force place insurance review term loan modification',
 u'mortage recently sell financial institution nothing say matter consumer mortage initially mortgage years good stand knowledge miss payment years check save money market credit card come shock mortgage sell another financial institution without choice matter',
 u'account holder also credit card recently obtain cash reward card link directly boa online bank account typically pay credit card online system assume would case cash reward card click make payment button take take bill pay center could see cash reward card list card instructions add card also sign ebilling receive bill email busy continue try figure payment past due issue late fee call cash reward card number operator inform order register card add credit card company manage pay account section completely illogical already website try pay clear instructions page believe reasonable person would able determine add company bill pay center furthermore exist credit card boa far remember ask also receive ebill write bill lead believe things could either deceptive practice cash reward increase likelihood first time users incur fine easily determine make payment could also poor user experience design either way lead unfair fee levy boa customers',
 u'service sub servicer trustee mortgage service previous sub servicer read hope interest recent multi billion dollar settlements name company criminal fraudulent action involve foreclosures interest personal struggle years settle foreclosure action learn settlements hope fin business practice requirements impose would encourage company follow spirit letter settlement agreements unfortunately experience change practice therefore would like lodge formal complaint continue pbank ue foreclosure duplicitous modification program base upon false assignments void operation law refusal verify stand bring foreclosure refusal assign point contact either attorney investor representative sub servicer representative settlement conferences either state court judge ny supreme court judge fact mandatory meet state court judge different attorneys appear settlement meet supreme court judge different attorneys appear different employees appear employees refuse identify business card future follow meet refusal produce discovery items demand motion state court judge ny supreme court judge failure comply ny supreme court justice demand evidence stand either produce blue ink note trust document list property party state trust failure acknowledge publicly available trust document file sec list loan characteristics section assume loan characteristics generate offer settlement withdraw ask write agree gmac lender part settlement offer declare write assignments make loan file county clerk assignment sign notorious robo signer declare write currently hold interest loan declare write law firm substitute trustee insist settlement conferences ny supreme court justice default interest rate despite term set note send statements state interest rate claim settlement conferences lender investor would allow certain modifications refuse name party ies refer ask pay pocket expense fee finesa settlement agreement achieve b claim right collect note show stand andc pocket expense fee fin previous sub servicers refuse substantiate expense prove reimbbank edd include thousands dollars legal default fee title search broker price opinions property inspections late charge account balance please see attach letter describe complaint',
 u'try refinace mortgage home town beneficial current mortgage holder produce proper paper show payment history fight company years request paper work conference call yesterday tell collector miss payments months year say months payments past days late th n say beneficial bankruptcy mortgage never bankruptcy continue pay selves year bankruptcy beneficial decide punish take away online access account could longer view account also request prove late tell could n release information account know make clear want make lose business opportunity loan go get roll new mortgage work since surgery tomorrow put financial crunch longer income able work least another months',
 u'regard loan modification n request offer citimortgage loan modification market material provide indicate already approve sign return finally months receive finalize citigroup sign document receive appear blank unsigned loan modification document yet two full years make mortgage payments time ahead time accord term modification show monthly statements decide review loan modification paperwork follow new statement appear representations section experience financial hardship result default loan document default imminent sufficient income access sufficient liquid assets make monthly mortgage payments near future new statement appear representations section lender require obtain credit counsel connection modification program never never default imminently default mortgage need credit counsel credit score credit report agencies personal debt strongly suggest someone look citimortage business practice best completely incompetent worst commit act fraud many unsuspecting homeowners well taxpayers via misappropriation hamp loan modification incentive payments federal government',
 u'get flexible payment options go va student feel loan wipe away school give pay first months teacher get great software suppose go class never work even day transcription class teach n even open book pay',
 u'previous mortgage service company never honor loan modification reduce rate near end agree reduce rate crazy low number write excess defer interest drop payment never receive confirmation change sell mortgage loan receive letter caliber say expect welcome packet never receive try call phone number attach paper since n account number keep get disconnect months receive mortgage statement assume previous servicer do request initially reapplied excess payments pay mortgage ahead year end come home letter attach front door state property appear vacant call number vacant call let know house obviously vacant furniture food etc house ask responsible say house vacant say mortgage company ask company indicate n know would provide phone number even name come home change lock winterize home without knowledge consent phone number leave front door finally able contact mortgage company speak seem apologetic offer explanation give code lock box key house occupy house full time right still lot things house private property look specific items start realize things miss come home unauthorized steal worth tool coin place lock lawn equipment could keep yard manicure file police report police follow day contact ask status loan house foreclose sale date pending start process foreclosure receive mortgage statement since last servicer indication foreclosure want refer customer service n even phone number direct number contact would provide info person enter home steal things destroy house',
 u'home mortgage penny mac pmi fee pay per original agreement month ago loan value drop trigger stop pmi notify penny mac per agreement stop charge pmi refuse pay evaluation home never document matter fact letter penny mac date state pmi would terminate loan value reach lower original value reach level want pay home assessment terminate pmi part agreement please help',
 u'lien primary residence equity line credit primary residence mortgage ask please help lien modification equity line retire fix income deny help reduce payment something afford pay interest every month charge much interest every month payments per month pay interest behind n qualify harp refinance mortgage mortgage originate claim nothing options short sale deed lieu foreclosure live home since',
 u'offer accept share appreciation modification modification document provide sign state interest bear principal balance would equal current value property time modification time modification property value approximately modification document state value property confront single point contact tell offer modification type would make correction relate value tell want modification would accept due date honor letter spirit agreement',
 u'problem mortgage company loan manage apply ability pay escrow per instructions officially send mail deny point requirements allow current mortgage payments past months loan negative escrow balance outstanding delinquencies tax insurance payment due next days force place insurance policy loan modify within last months include escrow also say additional exclusions may apply know exclusions meet requirements tell loan ratio less loan remain qualify escrow payments word still owe outstanding balance loan allow pay escrow another problem adjust escrow upwards every year even though escrow balance start legal nickel dime every year even though live small town outside kentucky city ky big city tax homeowner insurance adjust every year',
 u'lease gm financial ask mail address change time still nothing even get statement',
 u'credit card company contact person never add authorize account phone authorize person provide phone number company tell access government database obtain persons phone number none authorize time',
 u'always pay credit card time log see credit card larger balance normal initial response pay quickly look account find fraudulent claim put dispute give new card also say make payment would like send back account tell could could send check mail deposit check end mysterious charge credit card call credit readjustment call ask say understand would investigate investigation say take hobank call month see one get back want someone contact explain folder computer fill statements prepare call one ever explain except say supposedly send check also credit old credit card account access see anymore give new card find strange tell unable issue refund send check first place also take month tell anything follow unable see credit card account online even pay anything make lot money start phd fall keep track money well afford large charge come leave field will even reduce fee even though error begin',
 u'due divorce condition house ex decide sell initially try traditional sale foundation condition would able break even start short sale process realtor submit paperwork get house list realtor work sale buyer come make offer move house apartment months months state miss document realtor resubmitting come say tuesday due miss document move forward foreclosure quickly resubmitted everything realtor ask extension could review everything friday realtor call tell hear move forward foreclosure new reason move house sell move buyer put offer ok everyone one tell move monday contact tell decline sale offer move forward foreclosure completely different reason reason date condition damage house specifically ask damage refer say find damage go inspect house ask date specifically come inspect house never call realtor ask key lock box code get house tell n need ask key already secure property lock box ask date get without key secure property inspect demand tell go put hold minutes come back phone say make mistake n go inspect property point get irate business blatantly lie ask foreclose say damage ask damage since n say close foreclosure date tuesday able anything point go say foreclose miss paperwork resubmitted friday say foreclose move break contract move reason damage never see never inspect every day different story hang call realtor call story get foreclosure buyers offer low think house worth guess get internet something never inside property every person give different story realtor different story foreclose one week notice nothing lie',
 u'file claim settlement relief deny receive claim although submit claim also send copy att gen well local district congressman sure would able deny reciept yet deny ever receive claim still copy claim send last year send please help stoled home deny receive claim son',
 u'try get loan modification least four years citimortgage house sell get run around never talk directly person assign always get call back time would days person available job spend work hobank personal business work loan number one point almost dollars pay arrears also pay payments loan modification drop modification final paper need sign n back trouble get ex wife sign loan n think anyone help late sure greed company right want people give',
 u'call cancel card talk keep open offer statement credit bonus miles charge month three months state want pay membership fee assure three month period end first year agree valid date card also since sign middle statement period call back clarify whether months calendar months date offer date coincide statement date tell three months day periods start next statement show membership fee call ct ask fee explain year end accord card last representative speak state plan cancel card fee go effect question promotional offer representative say credit member fee cancel account talk state ask state could open account would continue eligible promotion express sense urgency deadline make purchase within promotional period end soon allegedly make note account assure would notify phone account open would wait letter never get phone call however determine account open call customer service ct ensure still track receive reward accord promotional offer reason would charge additional purchase card tell still eligible proceed charge another end date offer however see credit statement post call customer service pm ask tell meet term offer ask speak supervisor claim manager would n provide last name tell despite tell previous conversations track receive bonus miles statement credit would honor promotion state become ineligible close account explain ask account close close misunderstand representative assure would still eligible offer account open somehow n seem matter information contradict tell least representatives account close error bottom line error problem honor agreement penalize errors representative',
 u'handle modification process timely manner take long time review information provide request information previous documentation become outdated single point contact return call get touch client timely manner take three months able speak multiple phone call roundpoint keep delay process actively try help borrower',
 u'reach notice discrepancies three credit report credit report would status days late another credit report would report ok month reach customer service rep avant advise would get back could advise rep unaccpatbe l three weeks receive follow call email regard concern rep advise could dispute credit bureau report information give creditor ask please update report show information pay status balance payment date open etc also go payment plan status fell behind back job transition go payment arrangement payment specialist adbvised would put amount owe back loan would go current status long pay time please update bureaus correct information want rectify go home mortgage thank',
 u'submit complaint address ongoing dual track violations get answer still sale date file since submit complete rma package caliber violate follow federal laws establish sole purpose protect borrowers consumers like exact violations outline fdcpa threaten unrealistic consequences pending sale date respa dual track violations keep sale date complete rma udaap unfairly mark rma incomplete escalate foreclosurefdcpa violations overview continue keep unrealistic sale date file even though sale date date would violate consumer right possible due denial appeal right government mortgage assistance laws respa violations overview continue violate federal dual track laws simultaneously work avoid foreclosure move forward foreclosure evidence complete package receive see attach letter caliber date per agent id refusal remove sale date schedule udaap violations overview continue state remove sale date since complete package receive days sale date truth put sale date file initial rma submit within days sale date make impossible satisfy deceptive day excuse lie side abusive business practice per consumer right violations identify like answer follow question party involve get better understand caliber standard operate procedures address wrongdoing adjust expectations move forward complete package point request mortgage assistance rma application consider complete per caliber regulatorydept dual track laws establish protect struggle borrowers like b determine completeness package single point contact underwrite representative borrower inform long give per caliber satisfy request documentation borrower like submit complete application rma days prior sale date sale date place file within days sale date sale date place file submit complete package days advance sale date b caliber dual track defense submit complete application least days sale date sale date place file less days sale date unclear exact date please see attach request documentation submit request make subsequent request receive complete package per caliber correspondence warrant removal sale date subsequent documentation submit date reiterate afford opportunity appeal decision denial state sale date realistic construe harassment threat warrant fdcpa complaint violations',
 u'spend money earn dividends spend store receive dividend recently appear dollars short call administer ask happen tell csr yes report spend card report spend approximately actually spend tell would research resolve issue follow days fail attempt resolve issue supervisor name take phone number tell would call back never today call speak another supervisor also tell still research issue become clear purposefully ignore delay correct report spend direct violation term credit card court law may consider breach contract hope consumers also problem consumer financial protection bureau take action',
 u'try obtain lower interest rate mortgage interest rate economy lower interest rat give someone chat information send stop hear anyone b set aside monies help people like please help',
 u'wife joint auto loan place late payment notice credit report payments loan make time contact problem dispute report get satisfaction go far send receipt time payments refuse correct problem',
 u'credit acceptance refuse remove inaccurate account credit report account pay resolve remark report erroneous devastate credit worthiness',
 u'respond offer upgrade credit card receive airfare need call registration code charge certain date month later verify tell wait another days receive airfare certificate never receive certificate call numerous time pass dept dept apparently communication gap visa company involve tell responsible reward certificate finally many unhelpful clerk spend minutes make way call dept dept success would charge require amount trust card actually reward respond offer year ago security breach year credit card number cancel issue new number account',
 u'attempt cancel credit card administer avail try cancel write letter work return credit card two months latter send new activate new card send annual bill pay b bill interest annual bill non activate credit card',
 u'dispute late fee due mail statement receive early request statement web site could pay bill receive mail statement receive electronically aware remember set thing mistake pay bill soon find late less late fee time place call ask fee dispute since attach additional late fee attach credit report black mark',
 u'contractual agreement balance transfer credit card reason transfer lower interest rate enter agreement interest rate remain term note increase interest without notice whereas payment direct debit account several call customer service admit mistake correct receive statements reflect error show correct action receive statement card increase interest rate penalty pay full payment advise attorney action freud former judge also state commit fraud',
 u'home mortgage loan service inquire regard cancel pmi insurance loan ask submit write request cancel pmi insurance along check new appraisal tell process would take days untrue appraisal finally complete home home value well previous appraisal qualify removal pmi insurance loan honor request conveniently sell loan cobank e immediately call financial providers assure request remove pmi insurance would honor call confirm receipt appraisal value home tell review subsequently also receive copy appraisal continue call several time speak different agents several gentlemen tell nothing could do loan reach year mark would call week speak id supposedly supervisor tell eligible pmi cancellation confirm saw current appraisal file say would process cancellation ask call back week call back speak also advise could see system request pmi cancellation process also confirm receipt current appraisal say would call back confirm result review within hour never call back call back speak advise receipt current appraisal instruct fax copy appraisal correspondence department fax appraisal day call back today speak advise receive appraisal request deny would file whole new request pay new appraisal fee ask speak manager speak advise honor appraisal would pay make new request beyond frustrate follow requirements pay new appraisal control fact sell loan residenital credit solutions jerk around know entitle pmi cancelation try rip demand dollars unnecessary new appraisal please help wits end thank take time read complaintxxxx xxxxxxxxxxxx loan number',
 u'hire service provider develop website never occur contact credit card company pay bill use credit card tell situation credit card company open dispute credit card company days say could longer offer assistance past time frame company say bill error occur merchant show bill information match information work merchant website development obviously case since hire give credit card information give credit card company information could try hold accountable almost almost call merchant unwilling help situation',
 u'qualify loan file several complaints remove student loan account national collegiate trust nct reach years mark credit report time write back state investigation account belong request state dispute account report years delinquency account belong feel like tactic give run around able report debt pass legal law requirement attach letter dispute send track number proof delivery response credit file number confirmation date investigation request dispute file number response question regard long information remain file credit file number show delinquent date account credit report number show delinquent date account nct credit report number show delinquent date account nct letter head nct please national collegiate trust nct remove credit report serve serve years date delinquency credit report believe nct account reason give hard time run around remove account nct report credit report send request account remove company break many law learn avoid regulatorydept register company report credit report national collegiate trust aes nct education service aes register education service complaints regulatorydept state could investigate national collegiate trust company could find file complaint name ie nct aes belief nct practice fraudulent tactics really need investigate fully',
 u'try remove name home loan use ex wife business sign loan ask send document signature application process receive document power attorney signature surrender interest house use business agree upon divorce settlement loan document date days final divorce decree ex wife sign name reference aforementioned power attorney power attorney sign agree upon divorce stipulation simply surrender claim property stipulation past future responsibility property understand contract signature null void enforce ask loan default current payment schedule use business ex wife merely ask remove name loan credit report far receive request time investigation patiently wait favorable resolution shift tactics make identity theft issue request notarize statements police report submit lax loan approval process lead loan approve without proper signatures anything else',
 u'file complaint work finalize modification make payments tell statements nothing post payments well get new doc finalize principle go mean post payments try take advantage fund payments process sale house correct wifes credit report post unpaid need correct balance fix base payments illegal activity continue also obtain proper insurances tell rat high enough use insurance talk state nut also require insurances n legally need',
 u'get flexible payment options attend pennsylvania diesel fabrication tell could get job get school almost three years later still job kind n lack try recently campus attend sell close similarly florida campus expect pay back loan school could follow thier promise earlier year collages sue force pay back loan students still loan dont cover private loan expect pay back money borrow school advice adivse students get perkins biggest asset lose asset due thier negligence students people reason get paycheck dont take matter ill personally make sure student future ever use put business use internet put work cause greedy help wrong lie respective school hope hear back soon',
 u'many issue lender since presenti attend save home project deny opportunity save home lawyers represent send attorney conference hear husband explain financial hardship unexpected son unexpected funeral cost hit say loss son concern could pay balance due time find fha loan could modify send need paper work ask know use house counselor format need use house document legal do today face sheriff sale date summit another modification package request default resolution manager correspond last years ext package review decision make within days tell eligible modification hamp could file appeal house counselors use complaint try help home state could honor modification present would default must wait months eligible assistance make matter worst follow advice never get fair chance save home face unbearable truth homeless',
 u'apply loan mod economic downslide could n afford mo payments int equal k mo impound especially interest rat half amount time deny repeat application couple years later find original mortgage company go bankrupt pay service provider service inc sps hire attorney researcher find own loan find proof mortgage sell stock market multiple time mers involve robo sign notaries sign docs whose license expire loan transfer yrs go bankrupt say must stop pay mortgage make sue prove own mortgage wind hire another attorney go court case judge ask oppose side prove own loan could prove say erroneous erroneous mean law word could n prove n prove say know rule rule favor oppose attorney phone n even show court rule although believe own loan continue loan modification process sps try get loan reinstate get lot run around eventual denial go foreclosure status commissioner assign sell house family home office advise file chapter bk halt foreclosure process new bk attorney charge k create file plan chapter leave assume experience know however plan bk deny soon foreclosure threat become active simultaneously throughout entire time another attorney actively try negotiate loan mod ask send resend resend paperwork tell need update note n realize back stop pay mortgage interest go bad n realize back anyway since offer sps make monthly payments legal current interest rate even pay part arrears put balance arrears grow k back end sps tell repetitively things look good day day hear back original attorney take case court lose call say commissioner assign could sell house bk could say try reach n next thing would hear vacate cause tremendous stress reach help obviously always intend pay whoever own loan get fair interest rate seem unfair even criminal one prove own mortgage yet ability right foreclose even try desperately make fair payment structure reinstate loan n know turn hop please help help understand get help since want keep family home',
 ...]

# Define a function to get the TF matrix
#Create bag of word model/tockenization/Creating Sparse metrics
def TF(IP,OPCSV,ngram,MAXFEATURES):
    start = time.time()
    from sklearn.feature_extraction.text import CountVectorizer

    #tf_vectorizer = CountVectorizer(ngram_range=(1,1),max_features=10)
    tf_vectorizer = CountVectorizer(ngram_range=(ngram,ngram),max_features=MAXFEATURES) #we can specify min_df=0.1 if required here
    tf = tf_vectorizer.fit_transform(IP)

    #print(tf)
    # Array mapping from feature integer indices to feature name
    OPDF=pd.DataFrame(tf.toarray(), columns= tf_vectorizer.get_feature_names()) 
    #48496 rows × 36742 columns

    OPDF.to_csv(OPCSV)
    return OPDF

    end = time.time()
    print("Time elapsed for execution = ", end - start)

#Call TF function with IP, OP , maxfeatures and ngram parameters on all data (train)
#Try uni, bi and trigrams
TFdata=TF(clean_reviews,'Temp.csv',ngram=1,MAXFEATURES=500)

#TFdata.sum().to_csv("TFMF5000NGM2.csv")

#Compute TF-ITF Matrix

def TFIDF(IP,OPCSV,ngram,MAXFEATURES):
    start = time.time()
    from sklearn.feature_extraction.text import TfidfVectorizer

    tfidf_vectorizer = TfidfVectorizer(ngram_range=(ngram,ngram),max_features=MAXFEATURES) # we can add stop_words='english', if needed here also
    tfidf = tfidf_vectorizer.fit_transform(IP)  
    #type(tfidf)
    #print(tfidf)

    # Array mapping from feature integer indices to feature name
    OPDF=pd.DataFrame(tfidf.toarray(), columns= tfidf_vectorizer.get_feature_names())

    OPDF.to_csv(OPCSV)
    return OPDF

    end = time.time()
    print("Time elapsed for execution = ", end - start)

#Call TFIDF function with IP, OP , maxfeatures and ngram parameters on all data (train)
#Try uni, bi and trigrams
TFIDFdata=TFIDF(clean_reviews,'TFIDFData500_1.csv',ngram=1,MAXFEATURES=1000)

TFIDFdata.shape

(48496, 1000)

#TFIDFdata.sum().to_csv("TFIDFMF5000NGM3.csv")
#TFIDFdata.sum().to_csv("TFIDFMF5000NGM2.csv")

Wordcloud¶

#Define the function for creating wordcloud

def wordcloud(IP,OP):
    start = time.time()
    import wordcloud
    from wordcloud import WordCloud
    #For word cloud converting the clean_reviews list to string
    Str1 = ''.join(str(w) for w in IP)
    #Str
    wordcloud = WordCloud(width=1300, height=600).generate(Str1)
    # Open a plot of the generated image.

    import matplotlib.pyplot as plt
    #%matplotlib inline
    plt.figure( figsize=(20,10), facecolor='k')

    plt.imshow(wordcloud,interpolation='bilinear')
    # interpolation="bilinear" in the plt.imshow() is to make the displayed image appear more smoothly
    plt.axis("off")
    #plt.tight_layout(pad=0)
    #plt.show()

    #Replace last two commented line with the below code, to save the flie the working directory
    plt.savefig(OP, facecolor='k', bbox_inches='tight')
    
    end = time.time()
    print("Time elapsed for execution = ", end - start)

#Word cloud on all data (train)

#call function. Provide the IP and OP paremeters
wordcloud(clean_reviews,'wordcloudalldata.png')

Time elapsed for execution =  35.8658680916

Feature Scaling¶

def Feature_scaling(IP):
    start = time.time()
    from sklearn.preprocessing import StandardScaler
    sc = StandardScaler()
    data_scaled = sc.fit_transform(IP)
    OPDF=pd.DataFrame(data_scaled,  columns= IP.columns.values.tolist())
    return OPDF
    end = time.time()
    print("Time elapsed for execution = ", end - start)

#Call the feature scaling function on TFIDF of all data (train)
TFIDFdata_Scaled=Feature_scaling(TFIDFdata)
#print TFIDFdata_Scaled.std()
#print TFIDFdata_Scaled.mean()

PCA¶

#Perform PCA for dimensionality reduction
#Define function to perform PCA
def PCAfn(IP,OPCSV,n,topn):
    start = time.time()

    from sklearn.decomposition import PCA
    
    pca = PCA(n_components=n)
    PCAOP = pca.fit_transform(IP)
    explained_variance = pca.explained_variance_ratio_

    #output variance explained by the pricipal components along with feature matrix
    print ("Variance explained by all the principal components = ", sum(explained_variance))

    print ("Top to Principal components", explained_variance[:topn])
    print ("Variance explained by top", topn, "principal components = ", sum(explained_variance[:topn]))
    
    #print pd.DataFrame(pca.components_,columns=TFIDFdata.columns)
    
    #Export Principal components to csv
    pd.DataFrame(pca.components_,columns=IP.columns).to_csv(OPCSV)
    
    #Creating column names for principal components
    Columns = ['PC_{}'.format(i+1) for i in range(n)]
    
    #Creating dataframe for the PCA results 
    PCADF=pd.DataFrame(PCAOP, columns=Columns)
    
    end = time.time()
    print("Time elapsed for execution = ", end - start)
    
    return PCADF

#Call the PCA function to generate the desired no.of principal components of all data (train)

#Input the parameter values as required
#IP data can be original or scaled
#name on the OP csv
#no.of principal components
#topn -> to specify the top principal componets to compute the total explained variance if required

TFIDF_PCAOP=PCAfn(TFIDFdata,"TFIDFPCA25_500.csv",n=25,topn=10)

Variance explained by all the principal components =  0.24145649562481475
Top to Principal components [0.03204003 0.01940122 0.01683126 0.01509534 0.01367861 0.01119002
 0.01071746 0.01040671 0.00943823 0.00888682]
Variance explained by top 10 principal components =  0.14768570339077963
Time elapsed for execution =  1.04927706718

Clustering to label grievance as UFDP or not using TF-IDF¶

#Define a function to get elbow plot
# Using the elbow method to find the optimal number of clusters

def Elbowclusterselect(IP,k):
    start = time.time()
    wcss = []
    for i in range(1, k):
        kmeans = KMeans(n_clusters = i, init = 'k-means++', max_iter=100, n_init=10 ,random_state = 0)
        kmeans.fit(IP)
        wcss.append(kmeans.inertia_)
    plt.plot([1,2,3], wcss)
    plt.title('The Elbow Method')
    plt.xlabel('Number of clusters')
    plt.ylabel('WCSS')
    plt.show()

    end = time.time()
    print("Time elapsed for execution = ", end - start)

#IP data -> either use original(scaled), or PCA
#Call the elbow plot function to identify the no.of optimal clusters on all data (train)
Elbowclusterselect(TFIDFdata,k=4)

Time elapsed for execution =  25.229008913

#Define function to build the cluster solution , visualize the clusters and list top terms per cluster
def Clusters(IP,ModelOP,k):
    start = time.time()
    from sklearn.decomposition import PCA
    clustermodel = KMeans(n_clusters = k, init = 'k-means++', max_iter=100, n_init=10 ,random_state = 0)
    clustermodel_fit=clustermodel.fit(IP)
    cluster_lbl=clustermodel.fit_predict(IP)
    
    # save the model to disk
    filename = ModelOP
    pickle.dump(clustermodel_fit, open(filename, 'wb'))

    clusterids=pd.DataFrame(cluster_lbl)
    clusterids.columns = ['Clusterid']

    #Join the cluster ids and the raw IP data
    frames = [clusterids, TFIDFdata]
    clusterresults = pd.concat(frames,axis=1)
    
    #Visualize the clusters
    pca_2 = PCA(2) # return 2 first canonical variables
    plot_columns = pca_2.fit_transform(IP) # fit CA to the train dataset
    plt.scatter(x=plot_columns[:,0], y=plot_columns[:,1], c=cluster_lbl,) # plot 1st canonical variable on x axis, 2nd on y-axis
    plt.xlabel('Canonical variable 1')
    plt.ylabel('Canonical variable 2')
    plt.title('Scatterplot of Canonical Variables for 2 Clusters')
    plt.figure( figsize=(300,100), facecolor='k')
    plt.show() 
    
    #Top terms per clusters
    terms=IP.columns.values.tolist()
    
    print("Top 50 terms per cluster:")
    print()
    #Sort cluster centers by proximity to centroid
    order_centroids = clustermodel_fit.cluster_centers_.argsort()[:, ::-1] 
    for i in range(k):
        print("Cluster %d words:" % i, end='')
        print()
        for ind in order_centroids[i, :50]:
            print(' %s' % terms[ind], end=',')
    
    return clusterresults

    end = time.time()
    print("Time elapsed for execution = ", end - start)

#Based on elbow plot selected 2 cluster solution

#TFIDFdata
#TFIDF_PCAOP
#Based optimal clusters, build cluster solution on all data (train)
ClusterOP=Clusters(TFIDF_PCAOP,'cluster_model_PCA_F500.sav',k=2)

<Figure size 21600x7200 with 0 Axes>

Top 50 terms per cluster:

Cluster 0 words:
 PC_8, PC_9, PC_14, PC_22, PC_12, PC_13, PC_23, PC_7, PC_11, PC_25, PC_16, PC_18, PC_15, PC_2, PC_5, PC_19, PC_21, PC_6, PC_17, PC_20, PC_10, PC_24, PC_3, PC_4, PC_1,Cluster 1 words:
 PC_1, PC_4, PC_3, PC_24, PC_10, PC_20, PC_17, PC_6, PC_21, PC_19, PC_5, PC_2, PC_15, PC_18, PC_16, PC_25, PC_11, PC_7, PC_23, PC_13, PC_12, PC_22, PC_14, PC_9, PC_8,

#Define the function to compute summary stats of cluster solution
def clusterstats(IP):
    print("No.of records per cluster")
    print(IP['Clusterid'].value_counts())
    print("\n")
    print("Average values of cluster inputs")
    clustersummary=IP.groupby('Clusterid').mean()
    return clustersummary

#Call the cluster summary function on all data (train)
clusterstats(ClusterOP)

No.of records per cluster
0    27777
1    20719
Name: Clusterid, dtype: int64


Average values of cluster inputs

Reading the FTC Act document for key word search for creating UFDP bag of words(using domain understanding)¶

FTCActTxt = open("ftca.txt", "rb").read()
#FTCActTxt

#Initialize an empty list to hold the clean texts
Corpus_FTCAct = []

start = time.time()

Corpus_FTCAct.append(text_to_words(FTCActTxt))

end = time. time()
print(end - start)

0.0506720542908

#Creat word cloud of FTC Act key words
#Call function. Provide the IP and OP paremeters
wordcloud(Corpus_FTCAct,'FTCAct.png')

Time elapsed for execution =  1.86368703842

#Create bag of word model/tockenization/Creating Sparse metrics for the FTC Act text data
#Call TF function with IP, OP , maxfeatures and ngram parameters 
#Try uni, bi and trigrams
TF_FTCAct_data=TF(Corpus_FTCAct,'FTCActKeywords.csv',ngram=1,MAXFEATURES=None)

TF_FTCAct_data

#POS Tag
from nltk import pos_tag
from sklearn.feature_extraction.text import CountVectorizer

tf_vectorizer = CountVectorizer(ngram_range=(1,1)) 
tf = tf_vectorizer.fit_transform(Corpus_FTCAct)

tokens_pos = pos_tag(tf_vectorizer.get_feature_names())
Corpus_FTCAct_POStg=pd.DataFrame(tokens_pos)
Corpus_FTCAct_POStg.columns = ['keywords', 'pos']
Corpus_FTCAct_POStg.to_csv('FTCActKeywords_postg.csv')

2) Grievance closed with explanation and Disputed Status (Y)¶

Text Mine for communication effectiveness keywords in such grievance description texts¶

#Subset the data as per requirement
df_filtered=df1[(df1.ResolutionComments=='Closed with explanation') & (df1.Disputed=="Yes")]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

9202

#Call function cleantxt to make the corpus of clean text
clean_reviews1=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  12.8074769974

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews1,'Closedwithexp_Dispute.png')

Time elapsed for execution =  10.654638052

#BOW_CWE_DISPTD=['understand','follow','finally','deny','receive','inform','require','feel','confirm','still','back','situation','believe','point','change','tell','give','say','refuse','time','state','ask','information','never','send','respond','credit report','issue','request','call back','even though','continue','notice']
#BOW_CWE_DISPTD

3) Text Mine grievance description for line of business - Credit Card¶

#Subset the data as per requirement
df_filtered=df1[(df1.LineOfBusiness=='Credit card')]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

19909

#Call function cleantxt to make the corpus of clean text
clean_reviews2=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  22.697674036

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews2,'BusinessCC.png')

Time elapsed for execution =  13.535984993

4) Text Mine grievance description for line of business - Mortgage¶

#Subset the data as per requirement
df_filtered=df1[(df1.LineOfBusiness=='Mortgage')]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

18956

#Call function cleantxt to make the corpus of clean text
clean_reviews3=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  26.8909800053

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews3,'BusinessMortgage.png')

Time elapsed for execution =  20.9458901882

5) Text Mine to understand the severity of Grievance Category -> Dealing with my lender or servicer¶

#Subset the data as per requirement
df_filtered=df1[(df1.Grievance_Category=='Dealing with my lender or servicer')]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

2821

#Call function cleantxt to make the corpus of clean text
clean_reviews4=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  3.57691788673

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews4,'DealingwithlenderServicer.png')

Time elapsed for execution =  5.99421191216

6) Text Mine to understand the severity of Grievance Category -> Loan servicing, payments, escrow account¶

#Subset the data as per requirement
df_filtered=df1[(df1.Grievance_Category=='Loan servicing, payments, escrow account')]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

7499

#Call function cleantxt to make the corpus of clean text
clean_reviews5=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  9.79068398476

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews5,'LoanService_Payments_escrow.png')

Time elapsed for execution =  9.64273691177

7) Text Mine to understand the severity of Grievance Category -> Loan modification,collection,foreclosure¶

#Subset the data as per requirement
df_filtered=df1[(df1.Grievance_Category=='Loan modification,collection,foreclosure')]
df_filtered=df_filtered.loc[:, ['GrievanceDescription']]

#store the no.of obs in an object
num_texts = df_filtered["GrievanceDescription"].size
print(num_texts)

#Reset the index of the filtered data
df_filtered.reset_index()
df_filtered=df_filtered.reset_index(drop=True)

5761

#Call function cleantxt to make the corpus of clean text
clean_reviews6=cleantxt(df_filtered,rec=num_texts)

Time elapsed for execution =  8.39544391632

#Creat word cloud
#Call function. Provide the IP and OP paremeters
wordcloud(clean_reviews6,'LoanModify_Collection_ForeClosure.png')

Time elapsed for execution =  9.62347197533

Part 2¶

Feature extractions at grievance level¶

1) Clustering (UFDP/Non-UFDP)¶

#Call all the required functions defined above for building 2 cluster (optimal as per elbow chart above) solution

#TFIDFdata=TFIDF(clean_reviews,'TFIDFData1000_1.csv',ngram=1,MAXFEATURES=1000)
#ClusterOP=Clusters(TFIDFdata,'cluster_model_RD_F1000.sav',k=2)
#clusterstats(ClusterOP)

<Figure size 21600x7200 with 0 Axes>

Top 50 terms per cluster:

Cluster 0 words:
 card, credit, account, charge, report, pay, call, balance, payment, fee, late, receive, would, make, tell, close, bill, interest, dispute, use, time, say, get, purchase, never, due, company, statement, send, check, open, information, remove, issue, service, macy, number, ask, days, customer, contact, back, payments, amount, letter, fraud, request, date, phone, month,Cluster 1 words:
 loan, mortgage, payment, pay, payments, call, make, get, would, time, modification, tell, home, receive, send, say, company, request, service, go, letter, account, amount, interest, state, take, information, property, due, document, ask, month, back, need, escrow, help, try, years, foreclosure, insurance, contact, never, work, tax, date, process, sale, since, file, could,No.of records per cluster
1    27706
0    20790
Name: Clusterid, dtype: int64


Average values of cluster inputs

#Used the fitted (train) model on test

#load the model from disk
#loaded_model = pickle.load(open('cluster_model_RD_F1000.sav', 'rb'))
#result = loaded_model.predict(TFIDFdata)
#print(result)

[1 1 0 ... 1 1 1]

#ClusterOP.head(1)
#ClusterOP.shape
#df1.shape

(48496, 1001)

#Join the cluster ids and the raw IP data
frames = [ClusterOP["Clusterid"], df1]
DF_UFDP_C = pd.concat(frames,axis=1)
#Renaming cluster ID
DF_UFDP_C.rename(columns={'Clusterid': 'ClusterUFDP'}, inplace=True)

#DF_UFDP_C

2) Grievance Description -> BOB (14 corpus), to create 14 new features¶

New features include following¶

1)BusinessPractices -> Business practices/ plans/programs/protections¶

2)Communication -> More to do with negative/missleading communication, customer service experience¶

3)CIBILScore -> Redit report/score impact¶

4)LateFeeInterestCharges -> Late fee/ interest charges issues¶

5)Payments -> payment instructions followups¶

6)CloseCancel -> Request to close,cancel,stop,card,account,payments¶

8)DelayRecur -> Delayed responses/ recurring issues¶

9)legal -> involves legal actions/parties¶

10)Mkting_Offer_Reward -> Marketing, offers, promotions,advertisements¶

12)MortgageBroadly -> Broader concerns in mortgage loans¶

13)TeftFraudThreat -> Theft, fraud, threat,abuses¶

14)UFDP -> Critical/Core issues that can be tagged as UFDP¶

Join the clean descriptions with the original data for creating features out of it¶

#Convert the clean_reviews list to dataframe
clean_reviews
clean_reviews_df = pd.DataFrame({'GrievanceDesc_clean':clean_reviews})
clean_reviews_df.shape
clean_reviews_df.head(2)

#Join the cleaned reviews with orignal data

frames = [clean_reviews_df, df1]
df2 = pd.concat(frames,axis=1)

df2=  df2[['GrievanceDesc_clean','GrievanceID','LineOfBusiness','ResolutionComments','Disputed']]
#df2.shape
#df2.head(1)
#df1
num_texts = df2['GrievanceDesc_clean'].size
num_texts

48496

Import the BOW corpus for creating features (UFDP and other features)¶

BOWcorpus=pd.read_csv('BOW_NEW.csv')

#Import Pandas SQL library
from pandasql import *
import pandas as pd

Feature -> BusinessPractices¶

BOW = BOWcorpus[BOWcorpus["BusinessPractices"].notnull()]
BOW=BOW[["BusinessPractices"]]

num_keywords = BOW["BusinessPractices"].size
num_keywords

BOW = BOW.rename(columns={'BusinessPractices': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'BusinessPractices'})

print("Look at the distribution")
print(df3['BusinessPractices'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [df2, df3['BusinessPractices']]
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    36847
1    11649
Name: BusinessPractices, dtype: int64

Feature -> Communication¶

BOW = BOWcorpus[BOWcorpus["Communication"].notnull()]
BOW=BOW[["Communication"]]

num_keywords = BOW["Communication"].size
num_keywords

BOW = BOW.rename(columns={'Communication': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'Communication'})

print("Look at the distribution")
print(df3['Communication'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['Communication']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
1    30453
0    18043
Name: Communication, dtype: int64

Feature -> CIBILScore¶

BOW = BOWcorpus[BOWcorpus["CIBILScore"].notnull()]
BOW=BOW[["CIBILScore"]]

num_keywords = BOW["CIBILScore"].size
num_keywords

BOW = BOW.rename(columns={'CIBILScore': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'CIBILScore'})

print("Look at the distribution")
print(df3['CIBILScore'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['CIBILScore']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    38595
1     9901
Name: CIBILScore, dtype: int64

Feature -> LateFeeInterestCharges¶

BOW = BOWcorpus[BOWcorpus["LateFeeInterestCharges"].notnull()]
BOW=BOW[["LateFeeInterestCharges"]]

num_keywords = BOW["LateFeeInterestCharges"].size
num_keywords

BOW = BOW.rename(columns={'LateFeeInterestCharges': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'LateFeeInterestCharges'})

print("Look at the distribution")
print(df3['LateFeeInterestCharges'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['LateFeeInterestCharges']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    33563
1    14933
Name: LateFeeInterestCharges, dtype: int64

Feature -> Payments¶

BOW = BOWcorpus[BOWcorpus["Payments"].notnull()]
BOW=BOW[["Payments"]]

num_keywords = BOW["Payments"].size
num_keywords

BOW = BOW.rename(columns={'Payments': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'Payments'})

print("Look at the distribution")
print(df3['Payments'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['Payments']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    35112
1    13384
Name: Payments, dtype: int64

Feature -> CloseCancel¶

BOW = BOWcorpus[BOWcorpus["CloseCancel"].notnull()]
BOW=BOW[["CloseCancel"]]

num_keywords = BOW["CloseCancel"].size
num_keywords

BOW = BOW.rename(columns={'CloseCancel': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'CloseCancel'})

print("Look at the distribution")
print(df3['CloseCancel'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['CloseCancel']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    33926
1    14570
Name: CloseCancel, dtype: int64

Feature -> purchase¶

BOW = BOWcorpus[BOWcorpus["purchase"].notnull()]
BOW=BOW[["purchase"]]

num_keywords = BOW["purchase"].size
num_keywords

BOW = BOW.rename(columns={'purchase': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'purchase'})

print("Look at the distribution")
print(df3['purchase'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['purchase']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    41312
1     7184
Name: purchase, dtype: int64

Feature -> DelayRecur¶

BOW = BOWcorpus[BOWcorpus["DelayRecur"].notnull()]
BOW=BOW[["DelayRecur"]]

num_keywords = BOW["DelayRecur"].size
num_keywords

BOW = BOW.rename(columns={'DelayRecur': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'DelayRecur'})

print("Look at the distribution")
print(df3['DelayRecur'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['DelayRecur']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
1    34541
0    13955
Name: DelayRecur, dtype: int64

Feature -> legal¶

BOW = BOWcorpus[BOWcorpus["legal"].notnull()]
BOW=BOW[["legal"]]

num_keywords = BOW["legal"].size
num_keywords

BOW = BOW.rename(columns={'legal': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'legal'})

print("Look at the distribution")
print(df3['legal'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['legal']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    28520
1    19976
Name: legal, dtype: int64

Feature -> Mkting_Offer_Reward¶

BOW = BOWcorpus[BOWcorpus["Mkting_Offer_Reward"].notnull()]
BOW=BOW[["Mkting_Offer_Reward"]]

num_keywords = BOW["Mkting_Offer_Reward"].size
num_keywords

BOW = BOW.rename(columns={'Mkting_Offer_Reward': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'Mkting_Offer_Reward'})

print("Look at the distribution")
print(df3['Mkting_Offer_Reward'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['Mkting_Offer_Reward']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    37711
1    10785
Name: Mkting_Offer_Reward, dtype: int64

Feature -> PaymentIssue¶

BOW = BOWcorpus[BOWcorpus["PaymentIssue"].notnull()]
BOW=BOW[["PaymentIssue"]]

num_keywords = BOW["PaymentIssue"].size
num_keywords

BOW = BOW.rename(columns={'PaymentIssue': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'PaymentIssue'})

print("Look at the distribution")
print(df3['PaymentIssue'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['PaymentIssue']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
1    30847
0    17649
Name: PaymentIssue, dtype: int64

Feature -> MortgageBroadly¶

BOW = BOWcorpus[BOWcorpus["MortgageBroadly"].notnull()]
BOW=BOW[["MortgageBroadly"]]

num_keywords = BOW["MortgageBroadly"].size
num_keywords

BOW = BOW.rename(columns={'MortgageBroadly': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'MortgageBroadly'})

print("Look at the distribution")
print(df3['MortgageBroadly'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['MortgageBroadly']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    30863
1    17633
Name: MortgageBroadly, dtype: int64

Feature -> TeftFraudThreat¶

BOW = BOWcorpus[BOWcorpus["TeftFraudThreat"].notnull()]
BOW=BOW[["TeftFraudThreat"]]

num_keywords = BOW["TeftFraudThreat"].size
num_keywords

BOW = BOW.rename(columns={'TeftFraudThreat': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'TeftFraudThreat'})

print("Look at the distribution")
print(df3['TeftFraudThreat'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['TeftFraudThreat']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
0    40757
1     7739
Name: TeftFraudThreat, dtype: int64

Feature -> UFDP¶

BOW = BOWcorpus[BOWcorpus["UFDP"].notnull()]
BOW=BOW[["UFDP"]]

num_keywords = BOW["UFDP"].size
num_keywords

BOW = BOW.rename(columns={'UFDP': 'list'})

pysqldf = lambda q: sqldf(q, globals())

q = """SELECT df2.*,BOW.* FROM df2 LEFT JOIN BOW ON df2.GrievanceDesc_clean LIKE '%' || BOW.list || '%'"""
df3 = pysqldf(q)

df3.loc[:, ['list']] = df3[['list']].notnull() * 1

df3.drop_duplicates(subset=None, keep='first', inplace=True)
df3 = df3.rename(columns={'list': 'UFDP'})

print("Look at the distribution")
print(df3['UFDP'].value_counts())

df3.reset_index()
df3=df3.reset_index(drop=True)
frames = [FeatureData, df3['UFDP']]
df2 = pd.concat(frames,axis=1)
FeatureData = pd.concat(frames,axis=1)

Look at the distribution
1    29181
0    19315
Name: UFDP, dtype: int64

Final data at grievance level with all the original columns, cleaned grievance description , and derived features from text¶

Add_data=  df1[['BankID','State','DateOfGrievance','Grievance_Category','DateOfResolution']]
frames = [FeatureData, Add_data]
FinalGrievanceDt = pd.concat(frames,axis=1)

FinalGrievanceDt.shape
#FinalGrievanceDt.head(1)

(48496, 24)

3) Deriving new feature -> Daystoresolve, difference between DateOfResolution and DateOfGrievance¶

FinalGrievanceDt['Daystoresolve']=((pd.to_datetime(FinalGrievanceDt['DateOfResolution']))-(pd.to_datetime(FinalGrievanceDt['DateOfGrievance']))).dt.days

Save the final grievance level dataframe to pickle¶

#FinalGrievanceDt.to_pickle('FinalGrievanceDt_Saved.pkl')

FinalGrievanceDt = pd.read_pickle('FinalGrievanceDt_Saved.pkl')

Part 3¶

EDA on the final grievance level data¶

1) Trend in grievance over years¶

#FinalGrievanceDt.head(1)

FinalGrievanceDt['Yearsflg']='NA'
FinalGrievanceDt['Yearsflg'][(FinalGrievanceDt['DateOfGrievance'] > '2015-03-31') & (FinalGrievanceDt['DateOfGrievance'] <= '2016-03-31')] = 'Y15Apr_Yr16Mar'
FinalGrievanceDt['Yearsflg'][(FinalGrievanceDt['DateOfGrievance'] > '2014-03-31') & (FinalGrievanceDt['DateOfGrievance'] <= '2015-03-31')] = 'Y14Apr_Yr15Mar'
FinalGrievanceDt['Yearsflg'][(FinalGrievanceDt['DateOfGrievance'] > '2013-03-31') & (FinalGrievanceDt['DateOfGrievance'] <= '2014-03-31')] = 'Y13Apr_Yr14Mar'
FinalGrievanceDt['Yearsflg'][(FinalGrievanceDt['DateOfGrievance'] > '2012-03-31') & (FinalGrievanceDt['DateOfGrievance'] <= '2013-03-31')] = 'Y12Apr_Yr13Mar'

/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:2: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:3: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  This is separate from the ipykernel package so we can avoid doing imports until
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:4: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  after removing the cwd from sys.path.
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:5: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """

#FinalGrievanceDt[(FinalGrievanceDt['DateOfGrievance'] > '2013-01-01') & (FinalGrievanceDt['DateOfGrievance'] < '2014-02-01')]

GrievanceCntYr = FinalGrievanceDt[['Yearsflg','GrievanceID']].groupby(['Yearsflg'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])#,ascending=False

GrievanceCntYr.set_index("Yearsflg",drop=True,inplace=True)

GrievanceCntYr=GrievanceCntYr.sort_values(by=['Yearsflg'])
GrievanceCntYr

import matplotlib.pyplot as plt
ax = GrievanceCntYr[['No.ofGrievance']].plot(kind='barh', title ="No.of Grievances per year since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Count", fontsize=20)
ax.set_ylabel("Years", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntYr["No.ofGrievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
#plt.show()

plt.savefig('Daystoresolve.png',bbox_inches='tight')

Grievance trend has increased till 2013 - 2014, but but some strange dip is noticed after that¶

2) Top 5 banks with highest recorded grievance since 2014¶

Top5banks = FinalGrievanceDt[['BankID','GrievanceID']].groupby(['BankID'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'],ascending=False).head(5)

Top5banks.set_index("BankID",drop=True,inplace=True)
Top5banks=Top5banks.sort_values(by=['No.ofGrievance'])

import matplotlib.pyplot as plt
ax = Top5banks[['No.ofGrievance']].plot(kind='barh', title ="Top 5 banks with hightest grievance count since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Count", fontsize=20)
ax.set_ylabel("Banks", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=Top5banks["No.ofGrievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

3) Top 5 states with highest recorded grievance since 2014 (Avg per bank grievance)¶

GrievStateCnt = FinalGrievanceDt[['State','GrievanceID']].groupby(['State'])['GrievanceID'].count().reset_index(name='No.ofGrievance')

StateBankCnt = FinalGrievanceDt[['State','BankID']].groupby(['State'])['BankID'].nunique().reset_index(name='No.ofBanks')

StateLevelGriev=GrievStateCnt.set_index('State').join(StateBankCnt.set_index('State'))
StateLevelGriev['AvgGrievPerBank'] = (StateLevelGriev['No.ofGrievance']/StateLevelGriev['No.ofBanks']).round(0)

Top5states=StateLevelGriev.sort_values(by=['AvgGrievPerBank'],ascending=False).head(5)

Top5states=Top5states.sort_values(by=['AvgGrievPerBank'],ascending=True)

import matplotlib.pyplot as plt
ax = Top5states[['AvgGrievPerBank']].plot(kind='barh', title ="Top 5 states with hightest avg no.of grievance per bank since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("AvgGrievPerBank", fontsize=20)
ax.set_ylabel("States", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=Top5states["AvgGrievPerBank"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

State 9 is having highest average grievance per bank¶

Create additional 5 features to flag is the back is in each of this 5 states¶

4) Visualize the distribution of days to resolve (derived column -Daystoresolve)¶

Daystoresolve = FinalGrievanceDt["Daystoresolve"].tolist()

FinalGrievanceDt['DaystoResolveflg']='NA'
FinalGrievanceDt['DaystoResolveflg'][(FinalGrievanceDt['Daystoresolve'] <= 30)] = '1Monthorless'
FinalGrievanceDt['DaystoResolveflg'][(FinalGrievanceDt['Daystoresolve'] > 30) & (FinalGrievanceDt['Daystoresolve'] <= 60)] = '1to2Months'
FinalGrievanceDt['DaystoResolveflg'][(FinalGrievanceDt['Daystoresolve'] > 60) & (FinalGrievanceDt['Daystoresolve'] <= 90)] = '2to3Months'
FinalGrievanceDt['DaystoResolveflg'][(FinalGrievanceDt['Daystoresolve'] > 90)] = '3Monthsormore'

/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:2: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:3: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  This is separate from the ipykernel package so we can avoid doing imports until
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:4: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  after removing the cwd from sys.path.
/anaconda2/lib/python2.7/site-packages/ipykernel_launcher.py:5: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """

GrievanceCntResolveBkt = FinalGrievanceDt[['DaystoResolveflg','GrievanceID']].groupby(['DaystoResolveflg'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])#,ascending=False

GrievanceCntResolveBkt['Pct_GrievanceResolved'] = (((GrievanceCntResolveBkt['No.ofGrievance']/48496))*100).round(3)

GrievanceCntResolveBkt=GrievanceCntResolveBkt.sort_values(by=['DaystoResolveflg'],ascending=True)
GrievanceCntResolveBkt.set_index("DaystoResolveflg",drop=True,inplace=True)

GrievanceCntResolveBkt

import matplotlib.pyplot as plt
ax = GrievanceCntResolveBkt[['Pct_GrievanceResolved']].plot(kind='barh', title ="% Grievances per months to resolve since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Months", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntResolveBkt["Pct_GrievanceResolved"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

About 89% of the grievance over the past 4 years have taken <1 months to resolve, as per industry standards.¶

>1Months are are interesting to observe in the model if they impact bank score¶

5) Distribution of the grievance issues by business line of operation¶

GrievanceCntBusinessln = FinalGrievanceDt[['LineOfBusiness','GrievanceID']].groupby(['LineOfBusiness'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])#,ascending=False

GrievanceCntBusinessln['Pct_Grievance'] = (((GrievanceCntBusinessln['No.ofGrievance']/48496))*100).round(3)

GrievanceCntBusinessln=GrievanceCntBusinessln.sort_values(by=['LineOfBusiness'],ascending=True)
GrievanceCntBusinessln.set_index("LineOfBusiness",drop=True,inplace=True)

GrievanceCntBusinessln

import matplotlib.pyplot as plt
ax = GrievanceCntBusinessln[['Pct_Grievance']].plot(kind='barh', title ="% Grievances per business line since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Business line", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntBusinessln["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

mortgage and Credit card business is having highest no.of grieveance incidents (avg. 40%)¶

6) Distribution of communicational issues for grieveance closed with explanation and disputed¶

Communicational issues is derived column from grievance text¶

ClosedExpDisp = FinalGrievanceDt[(FinalGrievanceDt['ResolutionComments']=='Closed with explanation') & (FinalGrievanceDt['Disputed']=='Yes')]

GrievanceCntComm = ClosedExpDisp[['Communication','GrievanceID']].groupby(['Communication'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])#,ascending=False

GrievanceCntComm['CommunicationIssueFlg'] = np.where(GrievanceCntComm['Communication']==1, 'yes', 'no')

GrievanceCntComm['Pct_Grievance'] = (((GrievanceCntComm['No.ofGrievance']/9202))*100).round(3)

GrievanceCntComm=GrievanceCntComm.sort_values(by=['CommunicationIssueFlg'],ascending=False)
GrievanceCntComm.set_index("CommunicationIssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntComm[['Pct_Grievance']].plot(kind='barh', title ="% Grievances closed with explanation, disputed, has communication issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Communication issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntComm["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

There were 9202 out of 48496 grievences that are closed with explanation and disputes¶

Out of 9202 about 67 % are noticed to have communicational issues¶

7) Distribution of grieveances having CIBIL Score related issues¶

GrievanceCntCIBIL = FinalGrievanceDt[['CIBILScore','GrievanceID']].groupby(['CIBILScore'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])
GrievanceCntCIBIL['CIBIEScore_IssueFlg'] = np.where(GrievanceCntCIBIL['CIBILScore']==1, 'yes', 'no')
GrievanceCntCIBIL['Pct_Grievance'] = (((GrievanceCntCIBIL['No.ofGrievance']/48496))*100).round(3)
GrievanceCntCIBIL=GrievanceCntCIBIL.sort_values(by=['CIBIEScore_IssueFlg'],ascending=False)
GrievanceCntCIBIL.set_index("CIBIEScore_IssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntCIBIL[['Pct_Grievance']].plot(kind='barh', title ="% Grievances having CIBIL Score issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("CIBIL Socre issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntCIBIL["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

We have aount 20% grievance issues related to CIBIL Scores of customers¶

FinalGrievanceDt.head(1)

8) Distribution of grieveances having Late fee/ Interest charges related issues¶

GrievanceCntLatefee = FinalGrievanceDt[['LateFeeInterestCharges','GrievanceID']].groupby(['LateFeeInterestCharges'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])
GrievanceCntLatefee['Latefee_InterestCharges_IssueFlg'] = np.where(GrievanceCntLatefee['LateFeeInterestCharges']==1, 'yes', 'no')
GrievanceCntLatefee['Pct_Grievance'] = (((GrievanceCntLatefee['No.ofGrievance']/48496))*100).round(3)
GrievanceCntLatefee=GrievanceCntLatefee.sort_values(by=['Latefee_InterestCharges_IssueFlg'],ascending=False)
GrievanceCntLatefee.set_index("Latefee_InterestCharges_IssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntLatefee[['Pct_Grievance']].plot(kind='barh', title ="% Grievances having Late fee and interset charges issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Interest charges and Late fee issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntLatefee["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

8) Distribution of grieveances having Marketing and offer related issues¶

#Mkting_Offer_Reward

GrievanceCntMarket = FinalGrievanceDt[['Mkting_Offer_Reward','GrievanceID']].groupby(['Mkting_Offer_Reward'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])
GrievanceCntMarket['Mkt_Offer_IssueFlg'] = np.where(GrievanceCntMarket['Mkting_Offer_Reward']==1, 'yes', 'no')
GrievanceCntMarket['Pct_Grievance'] = (((GrievanceCntMarket['No.ofGrievance']/48496))*100).round(3)
GrievanceCntMarket=GrievanceCntMarket.sort_values(by=['Mkt_Offer_IssueFlg'],ascending=False)
GrievanceCntMarket.set_index("Mkt_Offer_IssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntMarket[['Pct_Grievance']].plot(kind='barh', title ="% Grievances having marketing and offer issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Marketing and offer issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntMarket["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

About 22% grievances have marketing and offer related issues¶

8) Distribution of grieveances having delays and recurrance related issues¶

GrievanceCntDelay = FinalGrievanceDt[['DelayRecur','GrievanceID']].groupby(['DelayRecur'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])
GrievanceCntDelay['Delay_RecurringIssueFlg'] = np.where(GrievanceCntDelay['DelayRecur']==1, 'yes', 'no')
GrievanceCntDelay['Pct_Grievance'] = (((GrievanceCntDelay['No.ofGrievance']/48496))*100).round(3)
GrievanceCntDelay=GrievanceCntDelay.sort_values(by=['Delay_RecurringIssueFlg'],ascending=False)
GrievanceCntDelay.set_index("Delay_RecurringIssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntDelay[['Pct_Grievance']].plot(kind='barh', title ="% Grievances having Delay and Recurring issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("Delay and Recurring issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntDelay["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

About 71% grievances have delay and recurring issues¶

8) Distribution of grieveances having UFDP issues¶

GrievanceCntUFDP = FinalGrievanceDt[['UFDP','GrievanceID']].groupby(['UFDP'])['GrievanceID'].count().reset_index(name='No.ofGrievance').sort_values(['No.ofGrievance'])
GrievanceCntUFDP['UFDP_IssueFlg'] = np.where(GrievanceCntUFDP['UFDP']==1, 'yes', 'no')
GrievanceCntUFDP['Pct_Grievance'] = (((GrievanceCntUFDP['No.ofGrievance']/48496))*100).round(3)
GrievanceCntUFDP=GrievanceCntUFDP.sort_values(by=['UFDP_IssueFlg'],ascending=False)
GrievanceCntUFDP.set_index("UFDP_IssueFlg",drop=True,inplace=True)

import matplotlib.pyplot as plt
ax = GrievanceCntUFDP[['Pct_Grievance']].plot(kind='barh', title ="% Grievances having UFDP issues since 2014", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Percent", fontsize=20)
ax.set_ylabel("UFDP issue", fontsize=20)
plt.legend(fontsize=20)
plt.rc('axes', titlesize=20)

values=GrievanceCntUFDP["Pct_Grievance"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

About 60% have UFDP issues¶

Feature extraction using state, line of business, days to resolve grievance issues¶

Creating 5 additional features flags for top 5 (highest grievance issues) states¶

FinalGrievanceDt['State9'] = np.where(FinalGrievanceDt['State']=='State9', 1, 0)
FinalGrievanceDt['State14'] = np.where(FinalGrievanceDt['State']=='State14', 1, 0)
FinalGrievanceDt['State43'] = np.where(FinalGrievanceDt['State']=='State43', 1, 0)
FinalGrievanceDt['State53'] = np.where(FinalGrievanceDt['State']=='State53', 1, 0)
FinalGrievanceDt['State47'] = np.where(FinalGrievanceDt['State']=='State47', 1, 0)

Creating 2 variables using line of business for mortgage and credit cards¶

FinalGrievanceDt['Mortgage'] = np.where(FinalGrievanceDt['LineOfBusiness']=='Mortgage', 1, 0)
FinalGrievanceDt['CreditCard'] = np.where(FinalGrievanceDt['LineOfBusiness']=='Credit card', 1, 0)

Creating 4 additional variables for days to resolve¶

FinalGrievanceDt['Lessthan1Month'] = np.where(FinalGrievanceDt['DaystoResolveflg']=='1Monthorless', 1, 0)
FinalGrievanceDt['1to2Months'] = np.where(FinalGrievanceDt['DaystoResolveflg']=='1to2Months', 1, 0)
FinalGrievanceDt['2to3Months'] = np.where(FinalGrievanceDt['DaystoResolveflg']=='2to3Months', 1, 0)
FinalGrievanceDt['3Monthsormore'] = np.where(FinalGrievanceDt['DaystoResolveflg']=='3Monthsormore', 1, 0)

Create 1 additional variable for closed with explanation grievances¶

FinalGrievanceDt['ClosedwithExplain'] = np.where(FinalGrievanceDt['ResolutionComments']=='Closed with explanation', 1, 0)

Create 1 additional variable for closed with explanation and disputed grievances¶

FinalGrievanceDt['ClosedwithExplain_Dispute'] = np.where((FinalGrievanceDt['ResolutionComments']=='Closed with explanation') & (FinalGrievanceDt['Disputed']=='Yes'), 1, 0)

Create 1 additional variable for closed with explanation , disputed and having communication issues¶

FinalGrievanceDt['ClosedwithExplain_Dispute_Commu'] = np.where((FinalGrievanceDt['ResolutionComments']=='Closed with explanation') & (FinalGrievanceDt['Disputed']=='Yes') & (FinalGrievanceDt['Communication']==1), 1, 0)

#names = FinalGrievanceDt.columns.values 
#names1=pd.DataFrame(names)

FinalGrievanceDt.shape

(48496, 40)

#FinalGrievanceDt.to_pickle('FinalGrievanceDt_Additional_Saved.pkl') 
#FinalGrievanceDt = pd.read_pickle('FinalGrievanceDt_Saved.pkl')

Part 4 -> Data preparation at bank level for model building¶

Data Role up at Bank level (all derived features)¶

## 1) Import Bank level Target variable
BankTarget=pd.read_csv('BankTarget.csv')

Roll up the features at bank level¶

All the derived features at grievance level are flag (1/0) variables.¶

Role up by counting the occurances of each features / issues at bank level¶

Compute the % to the total no.of grievance issues per bank¶

State9 = FinalGrievanceDt[['BankID','State9']].groupby(['BankID'])['State9'].sum().reset_index(name='State9_sum')
State14 = FinalGrievanceDt[['BankID','State14']].groupby(['BankID'])['State14'].sum().reset_index(name='State14_sum')
State43 = FinalGrievanceDt[['BankID','State43']].groupby(['BankID'])['State43'].sum().reset_index(name='State43_sum')
State53 = FinalGrievanceDt[['BankID','State53']].groupby(['BankID'])['State53'].sum().reset_index(name='State53_sum')
State47 = FinalGrievanceDt[['BankID','State47']].groupby(['BankID'])['State47'].sum().reset_index(name='State47_sum')
BusinessPractices = FinalGrievanceDt[['BankID','BusinessPractices']].groupby(['BankID'])['BusinessPractices'].sum().reset_index(name='BusinessPract_Sum')
Communication = FinalGrievanceDt[['BankID','Communication']].groupby(['BankID'])['Communication'].sum().reset_index(name='Communicn_Sum')
CIBILScore = FinalGrievanceDt[['BankID','CIBILScore']].groupby(['BankID'])['CIBILScore'].sum().reset_index(name='CIBILScore_Sum')
LateFeeInterestCharges = FinalGrievanceDt[['BankID','LateFeeInterestCharges']].groupby(['BankID'])['LateFeeInterestCharges'].sum().reset_index(name='LateFeeIntCharg_Sum')
CloseCancel = FinalGrievanceDt[['BankID','CloseCancel']].groupby(['BankID'])['CloseCancel'].sum().reset_index(name='CloseCancel_Sum')
purchase = FinalGrievanceDt[['BankID','purchase']].groupby(['BankID'])['purchase'].sum().reset_index(name='purchaser_Sum')
DelayRecur = FinalGrievanceDt[['BankID','DelayRecur']].groupby(['BankID'])['DelayRecur'].sum().reset_index(name='DelayRecur_Sum')
legal = FinalGrievanceDt[['BankID','legal']].groupby(['BankID'])['legal'].sum().reset_index(name='legal_Sum')
Mkting_Offer_Reward = FinalGrievanceDt[['BankID','Mkting_Offer_Reward']].groupby(['BankID'])['Mkting_Offer_Reward'].sum().reset_index(name='MktOfferRwd_Sum')
PaymentIssue = FinalGrievanceDt[['BankID','PaymentIssue']].groupby(['BankID'])['PaymentIssue'].sum().reset_index(name='PaymentIssue_Sum')
MortgageBroadly = FinalGrievanceDt[['BankID','MortgageBroadly']].groupby(['BankID'])['MortgageBroadly'].sum().reset_index(name='MortgageBroad_Sum')
TeftFraudThreat = FinalGrievanceDt[['BankID','TeftFraudThreat']].groupby(['BankID'])['TeftFraudThreat'].sum().reset_index(name='TeftFraudThreat_Sum')
Mortgage = FinalGrievanceDt[['BankID','Mortgage']].groupby(['BankID'])['Mortgage'].sum().reset_index(name='Mortgage_Sum')
CreditCard = FinalGrievanceDt[['BankID','CreditCard']].groupby(['BankID'])['CreditCard'].sum().reset_index(name='CreditCard_Sum')
Lessthan1Month = FinalGrievanceDt[['BankID','Lessthan1Month']].groupby(['BankID'])['Lessthan1Month'].sum().reset_index(name='Lessthan1Month_Sum')
OnetotwoMonths = FinalGrievanceDt[['BankID','1to2Months']].groupby(['BankID'])['1to2Months'].sum().reset_index(name='1to2Months_Sum')
twotothreeMonths = FinalGrievanceDt[['BankID','2to3Months']].groupby(['BankID'])['2to3Months'].sum().reset_index(name='2to3Months_Sum')
More3months = FinalGrievanceDt[['BankID','3Monthsormore']].groupby(['BankID'])['3Monthsormore'].sum().reset_index(name='3Monthsormore_Sum')
ClosExpl = FinalGrievanceDt[['BankID','ClosedwithExplain']].groupby(['BankID'])['ClosedwithExplain'].sum().reset_index(name='ClosExpl_Sum')
ClosExplDisp = FinalGrievanceDt[['BankID','ClosedwithExplain_Dispute']].groupby(['BankID'])['ClosedwithExplain_Dispute'].sum().reset_index(name='ClosExplDisp_Sum')
ClosExplDispCom = FinalGrievanceDt[['BankID','ClosedwithExplain_Dispute_Commu']].groupby(['BankID'])['ClosedwithExplain_Dispute_Commu'].sum().reset_index(name='ClosExplDispCom_Sum')
CntGriev = FinalGrievanceDt[['BankID','GrievanceID']].groupby(['BankID'])['GrievanceID'].count().reset_index(name='Cnt_Griev')
AvgdaystoRes = FinalGrievanceDt[['BankID','Daystoresolve']].groupby(['BankID'])['Daystoresolve'].mean().reset_index(name='AvgdaystoResolve')
MeddaystoRes = FinalGrievanceDt[['BankID','Daystoresolve']].groupby(['BankID'])['Daystoresolve'].median().reset_index(name='MediandaystoResolve')
Payments = FinalGrievanceDt[['BankID','Payments']].groupby(['BankID'])['Payments'].sum().reset_index(name='Payments_Sum')
UFDP = FinalGrievanceDt[['BankID','UFDP']].groupby(['BankID'])['UFDP'].sum().reset_index(name='UFDP_Sum')

State9.set_index("BankID",drop=True,inplace=True)
State14.set_index("BankID",drop=True,inplace=True)
State43.set_index("BankID",drop=True,inplace=True)
State53.set_index("BankID",drop=True,inplace=True)
State47.set_index("BankID",drop=True,inplace=True)
BusinessPractices.set_index("BankID",drop=True,inplace=True)
Communication.set_index("BankID",drop=True,inplace=True)
CIBILScore.set_index("BankID",drop=True,inplace=True)
LateFeeInterestCharges.set_index("BankID",drop=True,inplace=True)
CloseCancel.set_index("BankID",drop=True,inplace=True)
purchase.set_index("BankID",drop=True,inplace=True)
DelayRecur.set_index("BankID",drop=True,inplace=True)
legal.set_index("BankID",drop=True,inplace=True)
Mkting_Offer_Reward.set_index("BankID",drop=True,inplace=True)
PaymentIssue.set_index("BankID",drop=True,inplace=True)
MortgageBroadly.set_index("BankID",drop=True,inplace=True)
TeftFraudThreat.set_index("BankID",drop=True,inplace=True)
Mortgage.set_index("BankID",drop=True,inplace=True)
CreditCard.set_index("BankID",drop=True,inplace=True)
Lessthan1Month.set_index("BankID",drop=True,inplace=True)
OnetotwoMonths.set_index("BankID",drop=True,inplace=True)
twotothreeMonths.set_index("BankID",drop=True,inplace=True)
More3months.set_index("BankID",drop=True,inplace=True)
ClosExpl.set_index("BankID",drop=True,inplace=True)
ClosExplDisp.set_index("BankID",drop=True,inplace=True)
ClosExplDispCom.set_index("BankID",drop=True,inplace=True)
CntGriev.set_index("BankID",drop=True,inplace=True)
AvgdaystoRes.set_index("BankID",drop=True,inplace=True)
MeddaystoRes.set_index("BankID",drop=True,inplace=True)
Payments.set_index("BankID",drop=True,inplace=True)
UFDP.set_index("BankID",drop=True,inplace=True)

frames = [State9,State14,State43,State53,State47,BusinessPractices,Communication,CIBILScore,LateFeeInterestCharges,CloseCancel,purchase,DelayRecur,legal,Mkting_Offer_Reward,PaymentIssue,MortgageBroadly,TeftFraudThreat,Mortgage,CreditCard,Lessthan1Month,OnetotwoMonths,twotothreeMonths,More3months,ClosExpl,ClosExplDisp,ClosExplDispCom,CntGriev,AvgdaystoRes,MeddaystoRes,Payments,UFDP]
Bankleveldata= pd.concat(frames,axis=1)

FinalBankleveldata = pd.merge(Bankleveldata, BankTarget, how='inner', on=['BankID'])

FinalBankleveldata['State9_pct'] = ((FinalBankleveldata['State9_sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['State14_pct'] = ((FinalBankleveldata['State14_sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['State43_pct'] = ((FinalBankleveldata['State43_sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['State53_pct'] = ((FinalBankleveldata['State53_sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['State47_pct'] = ((FinalBankleveldata['State47_sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)            
FinalBankleveldata['BusinessPract_pct'] = ((FinalBankleveldata['BusinessPract_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['Communicn_pct'] = ((FinalBankleveldata['Communicn_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['LateFeeIntCharg_pct'] = ((FinalBankleveldata['LateFeeIntCharg_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                  
FinalBankleveldata['CIBILScore_pct'] = ((FinalBankleveldata['CIBILScore_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['CloseCancel_pct'] = ((FinalBankleveldata['CloseCancel_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['purchaser_pct'] = ((FinalBankleveldata['purchaser_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['DelayRecur_pct'] = ((FinalBankleveldata['DelayRecur_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['legal_pct'] = ((FinalBankleveldata['legal_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['MktOfferRwd_pct'] = ((FinalBankleveldata['MktOfferRwd_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                      
FinalBankleveldata['PaymentIssue_pct'] = ((FinalBankleveldata['PaymentIssue_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)
FinalBankleveldata['MortgageBroad_pct'] = ((FinalBankleveldata['MortgageBroad_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)        
FinalBankleveldata['TeftFraudThreat_pct'] = ((FinalBankleveldata['TeftFraudThreat_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)    
FinalBankleveldata['Mortgage_pct'] = ((FinalBankleveldata['Mortgage_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['CreditCard_pct'] = ((FinalBankleveldata['CreditCard_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['Lessthan1Month_pct'] = ((FinalBankleveldata['Lessthan1Month_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['onetotwoMonths_pct'] = ((FinalBankleveldata['1to2Months_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['twotothreeMonths_pct'] = ((FinalBankleveldata['2to3Months_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['threeormoreMonths_pct'] = ((FinalBankleveldata['3Monthsormore_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['ClosExpl_pct'] = ((FinalBankleveldata['ClosExpl_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['ClosExplDisp_pct'] = ((FinalBankleveldata['ClosExplDisp_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)                                    
FinalBankleveldata['ClosExplDispCom_pct'] = ((FinalBankleveldata['ClosExplDispCom_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)    
FinalBankleveldata['Payments_pct'] = ((FinalBankleveldata['Payments_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)          
FinalBankleveldata['UFDP_pct'] = ((FinalBankleveldata['UFDP_Sum']/FinalBankleveldata['Cnt_Griev'])*100).round(2)

Final train data to build the model at bank level¶

FnllBanklvldata_Tgt= FinalBankleveldata.loc[:,['BankID','AvgdaystoResolve','MediandaystoResolve','BankGrade','State9_pct','State14_pct','State43_pct','State53_pct','State47_pct','BusinessPract_pct','Communicn_pct','LateFeeIntCharg_pct','CIBILScore_pct','CloseCancel_pct','purchaser_pct','DelayRecur_pct','legal_pct','MktOfferRwd_pct','PaymentIssue_pct','MortgageBroad_pct','TeftFraudThreat_pct','Mortgage_pct','CreditCard_pct','Lessthan1Month_pct','onetotwoMonths_pct','twotothreeMonths_pct','threeormoreMonths_pct','ClosExpl_pct','ClosExplDisp_pct','ClosExplDispCom_pct','Payments_pct','UFDP_pct']]

#Save the final bank level aggregated data to pickle

#FnllBanklvldata_Tgt.to_pickle('FnllBanklvldata_Tgt_Saved.pkl') 
FnllBanklvldata_Tgt = pd.read_pickle('FnllBanklvldata_Tgt_Saved.pkl')

Part 5 -> EDA on the rolled up bank level data¶

Shape of the data¶

FnllBanklvldata_Tgt.shape

(86, 32)

Features¶

FnllBanklvldata_Tgt.columns

Index([u'BankID', u'AvgdaystoResolve', u'MediandaystoResolve', u'BankGrade',
       u'State9_pct', u'State14_pct', u'State43_pct', u'State53_pct',
       u'State47_pct', u'BusinessPract_pct', u'Communicn_pct',
       u'LateFeeIntCharg_pct', u'CIBILScore_pct', u'CloseCancel_pct',
       u'purchaser_pct', u'DelayRecur_pct', u'legal_pct', u'MktOfferRwd_pct',
       u'PaymentIssue_pct', u'MortgageBroad_pct', u'TeftFraudThreat_pct',
       u'Mortgage_pct', u'CreditCard_pct', u'Lessthan1Month_pct',
       u'onetotwoMonths_pct', u'twotothreeMonths_pct',
       u'threeormoreMonths_pct', u'ClosExpl_pct', u'ClosExplDisp_pct',
       u'ClosExplDispCom_pct', u'Payments_pct', u'UFDP_pct'],
      dtype='object')

Summary stats¶

FnllBanklvldata_Tgt.describe()

Check Missing values¶

print(FnllBanklvldata_Tgt.isnull().sum())

BankID                   0
AvgdaystoResolve         0
MediandaystoResolve      0
BankGrade                0
State9_pct               0
State14_pct              0
State43_pct              0
State53_pct              0
State47_pct              0
BusinessPract_pct        0
Communicn_pct            0
LateFeeIntCharg_pct      0
CIBILScore_pct           0
CloseCancel_pct          0
purchaser_pct            0
DelayRecur_pct           0
legal_pct                0
MktOfferRwd_pct          0
PaymentIssue_pct         0
MortgageBroad_pct        0
TeftFraudThreat_pct      0
Mortgage_pct             0
CreditCard_pct           0
Lessthan1Month_pct       0
onetotwoMonths_pct       0
twotothreeMonths_pct     0
threeormoreMonths_pct    0
ClosExpl_pct             0
ClosExplDisp_pct         0
ClosExplDispCom_pct      0
Payments_pct             0
UFDP_pct                 0
dtype: int64

#### No missing values as allt these features are derived columns

Importance/Association between Bank grade (response variable) and independent features¶

FnllBanklvldata_Tgt.columns

Index([u'BankID', u'AvgdaystoResolve', u'MediandaystoResolve', u'BankGrade',
       u'State9_pct', u'State14_pct', u'State43_pct', u'State53_pct',
       u'State47_pct', u'BusinessPract_pct', u'Communicn_pct',
       u'LateFeeIntCharg_pct', u'CIBILScore_pct', u'CloseCancel_pct',
       u'purchaser_pct', u'DelayRecur_pct', u'legal_pct', u'MktOfferRwd_pct',
       u'PaymentIssue_pct', u'MortgageBroad_pct', u'TeftFraudThreat_pct',
       u'Mortgage_pct', u'CreditCard_pct', u'Lessthan1Month_pct',
       u'onetotwoMonths_pct', u'twotothreeMonths_pct',
       u'threeormoreMonths_pct', u'ClosExpl_pct', u'ClosExplDisp_pct',
       u'ClosExplDispCom_pct', u'Payments_pct', u'UFDP_pct'],
      dtype='object')

#FnllBanklvldata_Tgt.to_csv('FnllBanklvldata_Tgt.csv')

1) Average days to resolve vs bank grade¶

BnkgrdAvgRes = FnllBanklvldata_Tgt[['BankGrade','AvgdaystoResolve']].groupby(['BankGrade'])['AvgdaystoResolve'].mean().reset_index(name='Avg:AvgdaystoResolve')
BnkgrdAvgRes.set_index("BankGrade",drop=True,inplace=True)

BnkgrdAvgRes

ax = BnkgrdAvgRes[['Avg:AvgdaystoResolve']].plot(kind='barh', title =" Avg days to resolve", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg days to resolve", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdAvgRes["Avg:AvgdaystoResolve"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

2) Median days to resolve vs bank grade¶

BnkgrdMedRes = FnllBanklvldata_Tgt[['BankGrade','MediandaystoResolve']].groupby(['BankGrade'])['MediandaystoResolve'].mean().reset_index(name='Avg:MediandaystoResolve')
BnkgrdMedRes.set_index("BankGrade",drop=True,inplace=True)

BnkgrdMedRes

3) % of grievance issues resolved < 1Month vs bank grade¶

BnkgrdLessMonth = FnllBanklvldata_Tgt[['BankGrade','Lessthan1Month_pct']].groupby(['BankGrade'])['Lessthan1Month_pct'].mean().reset_index(name='Avg:Lessthan1Month_pct')
BnkgrdLessMonth.set_index("BankGrade",drop=True,inplace=True)
BnkgrdLessMonth

ax = BnkgrdLessMonth[['Avg:Lessthan1Month_pct']].plot(kind='barh', title =" %Griev. issues resolved < Mnth", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdLessMonth["Avg:Lessthan1Month_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

3) % of grievance issues resolved in 1-2Months vs bank grade¶

Bnkgrd1to2Month = FnllBanklvldata_Tgt[['BankGrade','onetotwoMonths_pct']].groupby(['BankGrade'])['onetotwoMonths_pct'].mean().reset_index(name='Avg:onetotwoMonths_pct')
Bnkgrd1to2Month.set_index("BankGrade",drop=True,inplace=True)
Bnkgrd1to2Month

4) % of grievance issues resolved in 2-3Months vs bank grade¶

Bnkgrd2to3Month = FnllBanklvldata_Tgt[['BankGrade','twotothreeMonths_pct']].groupby(['BankGrade'])['twotothreeMonths_pct'].mean().reset_index(name='Avg:twotothreeMonths_pct')
Bnkgrd2to3Month.set_index("BankGrade",drop=True,inplace=True)
Bnkgrd2to3Month

5) % of grievance issues resolved in >3 Months vs bank grade¶

BnkgrdGt3Month = FnllBanklvldata_Tgt[['BankGrade','threeormoreMonths_pct']].groupby(['BankGrade'])['threeormoreMonths_pct'].mean().reset_index(name='Avg:threeormoreMonths_pct')
BnkgrdGt3Month.set_index("BankGrade",drop=True,inplace=True)
BnkgrdGt3Month

6) % of grievance issues in state 9 as compared to total issues of the bank vs bank grade¶

Bnkgrdst9 = FnllBanklvldata_Tgt[['BankGrade','State9_pct']].groupby(['BankGrade'])['State9_pct'].mean().reset_index(name='Avg:State9_pct')
Bnkgrdst9.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdst9

7) % of grievance issues in state 14 as compared to total issues of the bank vs bank grade¶

Bnkgrdst14 = FnllBanklvldata_Tgt[['BankGrade','State14_pct']].groupby(['BankGrade'])['State14_pct'].mean().reset_index(name='Avg:State14_pct')
Bnkgrdst14.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdst14

8) % of grievance issues in state 43 as compared to total issues of the bank vs bank grade¶

Bnkgrdst43 = FnllBanklvldata_Tgt[['BankGrade','State43_pct']].groupby(['BankGrade'])['State43_pct'].mean().reset_index(name='Avg:State43_pct')
Bnkgrdst43.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdst43

9) % of grievance issues in state 53 as compared to total issues of the bank vs bank grade¶

Bnkgrdst53 = FnllBanklvldata_Tgt[['BankGrade','State53_pct']].groupby(['BankGrade'])['State53_pct'].mean().reset_index(name='Avg:State53_pct')
Bnkgrdst53.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdst53

10) % of grievance issues in state 47 as compared to total issues of the bank vs bank grade¶

Bnkgrdst47= FnllBanklvldata_Tgt[['BankGrade','State47_pct']].groupby(['BankGrade'])['State47_pct'].mean().reset_index(name='Avg:State47_pct')
Bnkgrdst47.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdst47

11) % of grievance issues related to business paractices as compared to total issues of the bank vs bank grade¶

BnkgrdBP= FnllBanklvldata_Tgt[['BankGrade','BusinessPract_pct']].groupby(['BankGrade'])['BusinessPract_pct'].mean().reset_index(name='Avg:BusinessPract_pct')
BnkgrdBP.set_index("BankGrade",drop=True,inplace=True)
BnkgrdBP

12) % of grievance issues related to communication concerns as compared to total issues of the bank vs bank grade¶

BnkgrdComm= FnllBanklvldata_Tgt[['BankGrade','Communicn_pct']].groupby(['BankGrade'])['Communicn_pct'].mean().reset_index(name='Avg:Communicn_pct')
BnkgrdComm.set_index("BankGrade",drop=True,inplace=True)
BnkgrdComm

13) % of grievance issues related to late fee/interest charges as compared to total issues of the bank vs bank grade¶

BnkgrdLatefe= FnllBanklvldata_Tgt[['BankGrade','LateFeeIntCharg_pct']].groupby(['BankGrade'])['LateFeeIntCharg_pct'].mean().reset_index(name='Avg:LateFeeIntCharg_pct')
BnkgrdLatefe.set_index("BankGrade",drop=True,inplace=True)
BnkgrdLatefe

ax = BnkgrdLatefe[['Avg:LateFeeIntCharg_pct']].plot(kind='barh', title =" %Griev. issues related late fee/interest charges", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdLatefe["Avg:LateFeeIntCharg_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

14) % of grievance issues related to customer CIBIL score as compared to total issues of the bank vs bank grade¶

BnkgrdCIBIL= FnllBanklvldata_Tgt[['BankGrade','CIBILScore_pct']].groupby(['BankGrade'])['CIBILScore_pct'].mean().reset_index(name='Avg:CIBILScore_pct')
BnkgrdCIBIL.set_index("BankGrade",drop=True,inplace=True)
BnkgrdCIBIL

15) % of grievance issues related to closed and cancelled concerns as compared to total issues of the bank vs bank grade¶

BnkgrdClsd= FnllBanklvldata_Tgt[['BankGrade','CloseCancel_pct']].groupby(['BankGrade'])['CloseCancel_pct'].mean().reset_index(name='Avg:CloseCancel_pct')
BnkgrdClsd.set_index("BankGrade",drop=True,inplace=True)
BnkgrdClsd

ax = BnkgrdClsd[['Avg:CloseCancel_pct']].plot(kind='barh', title =" %Griev. issues related close n cancel conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdClsd["Avg:CloseCancel_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

16) % of grievance issues related to purchase concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdpurch= FnllBanklvldata_Tgt[['BankGrade','purchaser_pct']].groupby(['BankGrade'])['purchaser_pct'].mean().reset_index(name='Avg:purchaser_pct')
Bnkgrdpurch.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdpurch

17) % of grievance issues related to delays and recurring concerns as compared to total issues of the bank vs bank grade¶

Bnkgrddly= FnllBanklvldata_Tgt[['BankGrade','DelayRecur_pct']].groupby(['BankGrade'])['DelayRecur_pct'].mean().reset_index(name='Avg:DelayRecur_pct')
Bnkgrddly.set_index("BankGrade",drop=True,inplace=True)
Bnkgrddly

18) % of grievance issues related to legal concerns as compared to total issues of the bank vs bank grade¶

Bnklgl= FnllBanklvldata_Tgt[['BankGrade','legal_pct']].groupby(['BankGrade'])['legal_pct'].mean().reset_index(name='Avg:legal_pct')
Bnklgl.set_index("BankGrade",drop=True,inplace=True)
Bnklgl

19) % of grievance issues related to marketing and offer concerns as compared to total issues of the bank vs bank grade¶

Bnkmkt= FnllBanklvldata_Tgt[['BankGrade','MktOfferRwd_pct']].groupby(['BankGrade'])['MktOfferRwd_pct'].mean().reset_index(name='Avg:MktOfferRwd_pct')
Bnkmkt.set_index("BankGrade",drop=True,inplace=True)
Bnkmkt

ax = Bnkmkt[['Avg:MktOfferRwd_pct']].plot(kind='barh', title =" %Griev. issues related marketing and offer conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=Bnkmkt["Avg:MktOfferRwd_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

20) % of grievance issues related to payments concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdpymnt= FnllBanklvldata_Tgt[['BankGrade','PaymentIssue_pct']].groupby(['BankGrade'])['PaymentIssue_pct'].mean().reset_index(name='Avg:PaymentIssue_pct')
Bnkgrdpymnt.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdpymnt

21) % of grievance issues related to broader mortgage concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdmortgbr= FnllBanklvldata_Tgt[['BankGrade','MortgageBroad_pct']].groupby(['BankGrade'])['MortgageBroad_pct'].mean().reset_index(name='Avg:MortgageBroad_pct')
Bnkgrdmortgbr.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdmortgbr

ax = Bnkgrdmortgbr[['Avg:MortgageBroad_pct']].plot(kind='barh', title =" %Griev. issues related broader mortgage conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=Bnkgrdmortgbr["Avg:MortgageBroad_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

22) % of grievance issues related to theft and fraud concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdthft= FnllBanklvldata_Tgt[['BankGrade','TeftFraudThreat_pct']].groupby(['BankGrade'])['TeftFraudThreat_pct'].mean().reset_index(name='Avg:TeftFraudThreat_pct')
Bnkgrdthft.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdthft

ax = Bnkgrdthft[['Avg:TeftFraudThreat_pct']].plot(kind='barh', title =" %Griev. issues related theft n fraud conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=Bnkgrdthft["Avg:TeftFraudThreat_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

23) % of grievance issues related to mortgage concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdmtg= FnllBanklvldata_Tgt[['BankGrade','Mortgage_pct']].groupby(['BankGrade'])['Mortgage_pct'].mean().reset_index(name='Avg:Mortgage_pct')
Bnkgrdmtg.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdmtg

ax = Bnkgrdmtg[['Avg:Mortgage_pct']].plot(kind='barh', title =" %Griev. issues related mortgage conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=Bnkgrdmtg["Avg:Mortgage_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

24) % of grievance issues related to credit cards concerns as compared to total issues of the bank vs bank grade¶

BnkgrdCC= FnllBanklvldata_Tgt[['BankGrade','CreditCard_pct']].groupby(['BankGrade'])['CreditCard_pct'].mean().reset_index(name='Avg:CreditCard_pct')
BnkgrdCC.set_index("BankGrade",drop=True,inplace=True)
BnkgrdCC

ax = BnkgrdCC[['Avg:CreditCard_pct']].plot(kind='barh', title =" %Griev. issues related credit cards conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdCC["Avg:CreditCard_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

25) % of grievance issues related to closed with explanation as compared to total issues of the bank vs bank grade¶

BnkgrdClsdExp= FnllBanklvldata_Tgt[['BankGrade','ClosExpl_pct']].groupby(['BankGrade'])['ClosExpl_pct'].mean().reset_index(name='Avg:ClosExpl_pct')
BnkgrdClsdExp.set_index("BankGrade",drop=True,inplace=True)
BnkgrdClsdExp

ax = BnkgrdClsdExp[['Avg:ClosExpl_pct']].plot(kind='barh', title =" %Griev. issues closed with explanation", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdClsdExp["Avg:ClosExpl_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

26) % of grievance issues related to closed with explanation an disputed as compared to total issues of the bank vs bank grade¶

BnkgrdClsdExpDisp= FnllBanklvldata_Tgt[['BankGrade','ClosExplDisp_pct']].groupby(['BankGrade'])['ClosExplDisp_pct'].mean().reset_index(name='Avg:ClosExplDisp_pct')
BnkgrdClsdExpDisp.set_index("BankGrade",drop=True,inplace=True)
BnkgrdClsdExpDisp

ax = BnkgrdClsdExpDisp[['Avg:ClosExplDisp_pct']].plot(kind='barh', title =" %Griev. issues closed with explanation n disputed", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdClsdExpDisp["Avg:ClosExplDisp_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

27) % of grievance issues related to closed with explanation , disputed and communication issues as compared to total issues of the bank vs bank grade¶

BnkgrdClsExpDisp= FnllBanklvldata_Tgt[['BankGrade','ClosExplDispCom_pct']].groupby(['BankGrade'])['ClosExplDispCom_pct'].mean().reset_index(name='Avg:ClosExplDispCom_pct')
BnkgrdClsExpDisp.set_index("BankGrade",drop=True,inplace=True)
BnkgrdClsExpDisp

28) % of grievance issues related to closed and cancelled concerns as compared to total issues of the bank vs bank grade¶

Bnkgrdpmnt= FnllBanklvldata_Tgt[['BankGrade','Payments_pct']].groupby(['BankGrade'])['Payments_pct'].mean().reset_index(name='Avg:Payments_pct')
Bnkgrdpmnt.set_index("BankGrade",drop=True,inplace=True)
Bnkgrdpmnt

ax = Bnkgrdpmnt[['Avg:Payments_pct']].plot(kind='barh', title =" %Griev. issues related to payments ", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=Bnkgrdpmnt["Avg:Payments_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

29) % of grievance issues related to UFDP concerns as compared to total issues of the bank vs bank grade¶

BnkgrdUFDP= FnllBanklvldata_Tgt[['BankGrade','UFDP_pct']].groupby(['BankGrade'])['UFDP_pct'].mean().reset_index(name='Avg:UFDP_pct')
BnkgrdUFDP.set_index("BankGrade",drop=True,inplace=True)
BnkgrdUFDP

ax = BnkgrdUFDP[['Avg:UFDP_pct']].plot(kind='barh', title =" %Griev. issues related UFDP conerns", figsize=(14, 6), legend=True, fontsize=18)
ax.set_xlabel("Avg.", fontsize=20)
ax.set_ylabel("BankGrade", fontsize=20)
plt.rc('axes', titlesize=20)
values=BnkgrdUFDP["Avg:UFDP_pct"].tolist()

for i, v in enumerate(values):
    ax.text(v + 3, i + .25, str(v), color='blue', fontweight='bold')
    
plt.show()

The Avg % of UFDP issues are more in deficient followed by satisfactory and outstanding grades¶

Distribution of all important features -> Shape and Outliers¶

fig = plt.figure(figsize = (20,20))
ax = fig.gca()
FnllBanklvldata_Tgt.hist(ax = ax, bins=[0, 10, 20, 30, 40, 50, 100])

plt.tight_layout()
plt.show()

/anaconda2/lib/python2.7/site-packages/IPython/core/interactiveshell.py:2878: UserWarning: To output multiple subplots, the figure containing the passed axes is being cleared
  exec(code_obj, self.user_global_ns, self.user_ns)

Corrlation between important features - > Multicollinearity check (Correlation plot)¶

import seaborn as sns

correlation = FnllBanklvldata_Tgt.corr()
correlation.to_csv('TrainBank_Corr.csv')

corr = FnllBanklvldata_Tgt.corr()
corr.style.background_gradient()

#FnllBanklvldata_Tgt.columns

Feature selection/correlation with Target¶

#Import the saved train data
FnllBanklvldata_Tgt = pd.read_pickle('FnllBanklvldata_Tgt_Saved.pkl')

dropc = ['ClosExpl_pct','ClosExplDispCom_pct','MortgageBroad_pct','MediandaystoResolve','Lessthan1Month_pct','onetotwoMonths_pct','BankID','State53_pct','twotothreeMonths_pct','State14_pct','Communicn_pct','purchaser_pct','State47_pct','threeormoreMonths_pct']
Modeldata=FnllBanklvldata_Tgt.drop(dropc, axis=1)

#Sepatate Target and features
#X=Modeldata.loc[:,['ClosExplDisp_pct','TeftFraudThreat_pct']]

X = Modeldata.drop('BankGrade', axis=1)
y = Modeldata.loc[:,'BankGrade']

#Recursive Feature Elimination
from sklearn.feature_selection import RFE
from sklearn.linear_model import LogisticRegression

logreg = LogisticRegression(random_state=0, solver='lbfgs',multi_class='multinomial')

rfe = RFE(logreg, 1)
rfe = rfe.fit(X, y.values.ravel())

rfe_support=pd.DataFrame((rfe.support_).tolist())
rfe_rank=pd.DataFrame((rfe.ranking_).tolist())

# Feature Importance
from sklearn import datasets
from sklearn import metrics
from sklearn.ensemble import ExtraTreesClassifier
# fit an Extra Trees model to the data
model = ExtraTreesClassifier()
model.fit(X, y)
# display the relative importance of each attribute
print(model.feature_importances_)
EXC_FeatureImp=pd.DataFrame(model.feature_importances_)

[0.12148144 0.02696513 0.05040109 0.04745521 0.04866456 0.06129301
 0.03665636 0.06603687 0.05966519 0.08613255 0.05686408 0.05191687
 0.03772919 0.0651044  0.10885527 0.04313841 0.03164036]

/anaconda2/lib/python2.7/site-packages/sklearn/ensemble/weight_boosting.py:29: DeprecationWarning: numpy.core.umath_tests is an internal NumPy module and should not be imported. It will be removed in a future NumPy release.
  from numpy.core.umath_tests import inner1d

Featuresdf=pd.DataFrame(X.columns.tolist())
frames=[rfe_support,rfe_rank,Featuresdf,EXC_FeatureImp]
ImpFeatures = pd.concat(frames,axis=1)
ImpFeatures.to_csv('ImpFeatures.csv')

#Correlatoion between independent variables
import seaborn as sns
correlation = Modeldata.corr()
correlation.to_csv('TrainBank_Corr.csv')

Variable selection using logistic regression¶

#Import the saved train data
FnllBanklvldata_Tgt = pd.read_pickle('FnllBanklvldata_Tgt_Saved.pkl')

FnllBanklvldata_Tgt.columns

Index([u'BankID', u'AvgdaystoResolve', u'MediandaystoResolve', u'BankGrade',
       u'State9_pct', u'State14_pct', u'State43_pct', u'State53_pct',
       u'State47_pct', u'BusinessPract_pct', u'Communicn_pct',
       u'LateFeeIntCharg_pct', u'CIBILScore_pct', u'CloseCancel_pct',
       u'purchaser_pct', u'DelayRecur_pct', u'legal_pct', u'MktOfferRwd_pct',
       u'PaymentIssue_pct', u'MortgageBroad_pct', u'TeftFraudThreat_pct',
       u'Mortgage_pct', u'CreditCard_pct', u'Lessthan1Month_pct',
       u'onetotwoMonths_pct', u'twotothreeMonths_pct',
       u'threeormoreMonths_pct', u'ClosExpl_pct', u'ClosExplDisp_pct',
       u'ClosExplDispCom_pct', u'Payments_pct', u'UFDP_pct'],
      dtype='object')

from patsy import dmatrices
#y,X = dmatrices('BankGrade ~AvgdaystoResolve+State43_pct+LateFeeIntCharg_pct+MktOfferRwd_pct+ClosExplDisp_pct', data=Modeldata, return_type='dataframe')

from patsy import dmatrices
y,X = dmatrices('BankGrade ~UFDP_pct', data=FnllBanklvldata_Tgt, return_type='dataframe')

import statsmodels.api as sm
classifier = sm.MNLogit(y, X)  
result = classifier.fit() 
print(result.summary())

Optimization terminated successfully.
         Current function value: 0.841936
         Iterations 6
                          MNLogit Regression Results                          
==============================================================================
Dep. Variable:                      y   No. Observations:                   86
Model:                        MNLogit   Df Residuals:                       82
Method:                           MLE   Df Model:                            2
Date:                Wed, 28 Nov 2018   Pseudo R-squ.:                 0.07991
Time:                        22:03:55   Log-Likelihood:                -72.407
converged:                       True   LL-Null:                       -78.695
                                        LLR p-value:                  0.001857
=============================================================================================
 y=BankGrade[outstanding]       coef    std err          z      P>|z|      [0.025      0.975]
---------------------------------------------------------------------------------------------
Intercept                    11.2930      3.620      3.119      0.002       4.197      18.389
UFDP_pct                     -0.1990      0.062     -3.211      0.001      -0.321      -0.078
---------------------------------------------------------------------------------------------
y=BankGrade[satisfactory]       coef    std err          z      P>|z|      [0.025      0.975]
---------------------------------------------------------------------------------------------
Intercept                     7.2368      2.930      2.470      0.013       1.495      12.979
UFDP_pct                     -0.1021      0.048     -2.138      0.033      -0.196      -0.008
=============================================================================================

	able	accept	access	accord	account	act	action	actually	add	addition	...	wife	within	without	work	would	write	wrong	year	years	yet
Clusterid
0	0.012595	0.009173	0.003908	0.005248	0.029290	0.006221	0.007562	0.00472	0.008332	0.004412	...	0.007635	0.007736	0.011216	0.023779	0.041569	0.013123	0.007018	0.018401	0.024645	0.010061
1	0.009582	0.005739	0.008273	0.004094	0.104649	0.007018	0.006992	0.00493	0.008397	0.003423	...	0.005720	0.009798	0.017140	0.008708	0.038684	0.010929	0.006064	0.010552	0.017019	0.008209

	ability	able	absolutely	accept	access	accord	account	accrue	acct	accurate	...	would	write	wrong	xxxxxxxxxxxx	year	years	yes	yesterday	yet	zero
Clusterid
0	0.002212	0.008423	0.002021	0.004954	0.007291	0.003558	0.092099	0.003136	0.003043	0.002549	...	0.034139	0.009611	0.005325	0.001150	0.009185	0.014952	0.001928	0.002105	0.007266	0.003181
1	0.002278	0.010921	0.001896	0.008006	0.003355	0.004523	0.025571	0.002863	0.001630	0.002001	...	0.036153	0.011296	0.006134	0.001993	0.016067	0.021478	0.001995	0.002102	0.008765	0.000840

	No.ofGrievance
BankID
Bank5277	2031
Bank5382	3467
Bank5285	3672
Bank5257	4660
Bank5286	5023

	AvgdaystoResolve	MediandaystoResolve	State9_pct	State14_pct	State43_pct	State53_pct	State47_pct	BusinessPract_pct	Communicn_pct	LateFeeIntCharg_pct	...	CreditCard_pct	Lessthan1Month_pct	onetotwoMonths_pct	twotothreeMonths_pct	threeormoreMonths_pct	ClosExpl_pct	ClosExplDisp_pct	ClosExplDispCom_pct	Payments_pct	UFDP_pct
count	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	...	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000	86.000000
mean	17.998966	13.854651	13.504535	9.062326	5.653488	7.498953	3.652791	22.148953	61.359070	29.800349	...	22.780581	86.822093	12.197558	0.819884	0.159884	85.013372	18.982674	12.396279	30.345349	58.122791
std	3.968368	5.837438	7.134954	4.283709	4.331937	6.698407	2.202977	6.077138	6.821323	5.483862	...	36.349496	15.440241	14.262592	1.464912	0.433064	15.246037	5.886551	4.314909	8.441152	7.088970
min	13.834848	11.000000	0.000000	0.000000	0.000000	0.000000	0.000000	10.980000	40.510000	11.110000	...	0.000000	36.910000	0.570000	0.000000	0.000000	48.850000	3.800000	0.000000	11.600000	41.030000
25%	15.541419	11.000000	9.637500	6.962500	2.492500	4.607500	2.205000	17.722500	56.997500	26.492500	...	0.000000	87.550000	4.102500	0.000000	0.000000	74.090000	15.127500	9.690000	24.470000	53.807500
50%	16.601311	11.000000	12.570000	8.445000	5.265000	6.270000	3.750000	21.780000	61.845000	29.495000	...	0.000000	91.820000	7.935000	0.180000	0.000000	88.260000	17.990000	12.030000	29.095000	58.670000
75%	18.600940	13.000000	16.337500	10.467500	8.530000	8.632500	4.742500	25.450000	65.475000	33.952500	...	32.132500	95.537500	10.955000	1.077500	0.027500	98.857500	23.240000	14.675000	35.967500	62.500000
max	32.673820	31.000000	34.070000	27.480000	22.670000	55.880000	11.370000	46.720000	76.090000	40.700000	...	100.000000	98.860000	56.220000	8.550000	2.440000	100.000000	33.040000	23.210000	50.780000	72.730000

	AvgdaystoResolve	MediandaystoResolve	State9_pct	State14_pct	State43_pct	State53_pct	State47_pct	BusinessPract_pct	Communicn_pct	LateFeeIntCharg_pct	CIBILScore_pct	CloseCancel_pct	purchaser_pct	DelayRecur_pct	legal_pct	MktOfferRwd_pct	PaymentIssue_pct	MortgageBroad_pct	TeftFraudThreat_pct	Mortgage_pct	CreditCard_pct	Lessthan1Month_pct	onetotwoMonths_pct	twotothreeMonths_pct	threeormoreMonths_pct	ClosExpl_pct	ClosExplDisp_pct	ClosExplDispCom_pct	Payments_pct	UFDP_pct
AvgdaystoResolve	1	0.919058	0.0945757	-0.292125	0.089637	0.0917441	-0.00722481	0.259165	-0.378556	-0.0728062	0.0452353	-0.315671	-0.257656	-0.196616	-0.348683	-0.100673	0.407423	-0.334106	-0.039942	-0.412541	-0.000796015	-0.923485	0.903063	0.80327	0.464623	0.111385	-0.099793	-0.188713	0.201402	-0.0791944
MediandaystoResolve	0.919058	1	0.153845	-0.294463	0.0103975	0.0281746	-0.0238685	0.336474	-0.35004	-0.0942691	-0.0780339	-0.458785	-0.39699	-0.108188	-0.314099	-0.223218	0.396229	-0.212457	-0.21903	-0.3193	-0.221697	-0.939738	0.932616	0.713186	0.375181	0.28858	-0.141837	-0.205122	0.358496	-0.161587
State9_pct	0.0945757	0.153845	1	0.0583618	-0.0513673	-0.203914	-0.131033	0.0775315	0.145374	-0.222421	-0.222033	0.114325	-0.155882	-0.00675184	0.26392	0.0870303	0.0270457	0.297186	0.143752	0.256898	-0.0897384	-0.0731014	0.0706922	0.126238	-0.149959	0.101573	0.187443	0.225447	-0.241767	0.216286
State14_pct	-0.292125	-0.294463	0.0583618	1	-0.239352	-0.104089	-0.230221	-0.214593	-0.0885736	0.0209042	0.10769	0.11818	0.103348	-0.148696	0.233231	-0.110636	-0.214442	0.0477371	0.0591727	0.0707598	0.00723948	0.310448	-0.315627	-0.157104	-0.14155	-0.0424528	-0.146384	-0.128843	-0.241145	0.157534
State43_pct	0.089637	0.0103975	-0.0513673	-0.239352	1	-0.298966	0.307597	0.29133	0.172283	0.133978	0.0583435	0.070492	0.0153947	0.0852841	0.00952761	0.340874	0.115252	-0.0223682	0.15625	-0.0989616	0.285299	-0.106099	0.118049	-0.00518197	-0.0882843	-0.18972	0.161019	0.130911	-0.0830379	0.0555537
State53_pct	0.0917441	0.0281746	-0.203914	-0.104089	-0.298966	1	-0.280866	-0.220138	-0.0261839	-0.170291	0.128517	-0.138545	0.210686	0.0808514	-0.147298	-0.130133	-0.188221	-0.200532	0.00744297	-0.16174	-0.0180971	0.0371822	-0.057026	0.0649908	0.330968	-0.143185	0.0485156	0.0757853	0.128119	-0.0682566
State47_pct	-0.00722481	-0.0238685	-0.131033	-0.230221	0.307597	-0.280866	1	0.182302	0.118315	0.177511	0.0552526	-0.0428288	0.0532542	0.130212	-0.0529894	0.0735601	0.0620471	0.00735111	-0.0515483	-0.0605606	-0.0453622	-0.0662101	0.0779785	-0.0144981	-0.157415	0.0129359	-0.00288534	-0.0573361	0.0291854	-0.0149037
BusinessPract_pct	0.259165	0.336474	0.0775315	-0.214593	0.29133	-0.220138	0.182302	1	0.406592	-0.107546	-0.32923	0.0601912	-0.467377	0.371367	0.196223	0.179916	0.109762	0.330319	-0.113647	0.246807	-0.112388	-0.465247	0.50033	0.06354	-0.106928	0.126399	-0.0525512	0.0655329	0.141008	0.156606
Communicn_pct	-0.378556	-0.35004	0.145374	-0.0885736	0.172283	-0.0261839	0.118315	0.406592	1	0.105459	-0.385375	0.360497	-0.130445	0.530819	0.497641	0.322938	-0.194374	0.627467	-0.0124241	0.612466	-0.112015	0.316864	-0.292105	-0.427877	-0.22995	0.0286357	0.229207	0.436882	-0.145177	0.282081
LateFeeIntCharg_pct	-0.0728062	-0.0942691	-0.222421	0.0209042	0.133978	-0.170291	0.177511	-0.107546	0.105459	1	0.0281015	0.0696338	-0.0357224	-0.050776	-0.0978511	0.190912	0.276992	-0.159687	-0.102246	-0.0837964	0.129131	0.116827	-0.111131	-0.194646	0.155255	-0.265269	-0.159711	-0.18443	-0.0643322	-0.124389
CIBILScore_pct	0.0452353	-0.0780339	-0.222033	0.10769	0.0583435	0.128517	0.0552526	-0.32923	-0.385375	0.0281015	1	-0.173452	0.513468	-0.046055	-0.207787	-0.046417	-0.101869	-0.602217	0.114628	-0.566428	0.367801	0.0409451	-0.0510083	0.11812	-0.179194	-0.335676	0.00563797	-0.108534	0.102202	-0.108749
CloseCancel_pct	-0.315671	-0.458785	0.114325	0.11818	0.070492	-0.138545	-0.0428288	0.0601912	0.360497	0.0696338	-0.173452	1	0.0148657	0.0233358	0.301469	0.494885	-0.0289328	0.339766	0.358263	0.486351	0.474011	0.332559	-0.332965	-0.187426	-0.256005	-0.237979	0.0028053	0.153468	-0.678251	0.381374
purchaser_pct	-0.257656	-0.39699	-0.155882	0.103348	0.0153947	0.210686	0.0532542	-0.467377	-0.130445	-0.0357224	0.513468	0.0148657	1	-0.0925336	-0.0895542	0.0849	-0.311942	-0.363831	0.239178	-0.308747	0.335977	0.416747	-0.426832	-0.1888	-0.161978	-0.441568	0.141221	0.070255	-0.226529	0.0736769
DelayRecur_pct	-0.196616	-0.108188	-0.00675184	-0.148696	0.0852841	0.0808514	0.130212	0.371367	0.530819	-0.050776	-0.046055	0.0233358	-0.0925336	1	0.267105	-0.0501189	-0.176427	0.475149	-0.25194	0.429074	-0.272212	0.071268	-0.050939	-0.197705	-0.195139	0.219014	0.207818	0.317697	0.328597	-0.0574315
legal_pct	-0.348683	-0.314099	0.26392	0.233231	0.00952761	-0.147298	-0.0529894	0.196223	0.497641	-0.0978511	-0.207787	0.301469	-0.0895542	0.267105	1	0.211528	-0.201159	0.656213	0.113586	0.557187	-0.170709	0.368675	-0.364341	-0.268001	-0.23985	0.238693	0.406026	0.508482	-0.255093	0.621693
MktOfferRwd_pct	-0.100673	-0.223218	0.0870303	-0.110636	0.340874	-0.130133	0.0735601	0.179916	0.322938	0.190912	-0.046417	0.494885	0.0849	-0.0501189	0.211528	1	0.0200603	0.00743402	0.458983	-0.0213131	0.520798	0.140944	-0.126951	-0.196759	-0.178029	-0.490451	0.15989	0.197617	-0.579282	0.525557
PaymentIssue_pct	0.407423	0.396229	0.0270457	-0.214442	0.115252	-0.188221	0.0620471	0.109762	-0.194374	0.276992	-0.101869	-0.0289328	-0.311942	-0.176427	-0.201159	0.0200603	1	-0.177173	-0.0299448	-0.182694	0.163577	-0.409887	0.407402	0.286564	0.227274	-0.0526371	-0.204159	-0.214153	0.102101	-0.0398497
MortgageBroad_pct	-0.334106	-0.212457	0.297186	0.0477371	-0.0223682	-0.200532	0.00735111	0.330319	0.627467	-0.159687	-0.602217	0.339766	-0.363831	0.475149	0.656213	0.00743402	-0.177173	1	-0.201506	0.925675	-0.487014	0.216925	-0.205733	-0.221068	-0.211606	0.422363	0.150282	0.298788	-0.083805	0.212129
TeftFraudThreat_pct	-0.039942	-0.21903	0.143752	0.0591727	0.15625	0.00744297	-0.0515483	-0.113647	-0.0124241	-0.102246	0.114628	0.358263	0.239178	-0.25194	0.113586	0.458983	-0.0299448	-0.201506	1	-0.259896	0.642923	0.145276	-0.150457	-0.00636249	-0.202069	-0.481833	0.155275	0.17205	-0.500002	0.579981
Mortgage_pct	-0.412541	-0.3193	0.256898	0.0707598	-0.0989616	-0.16174	-0.0605606	0.246807	0.612466	-0.0837964	-0.566428	0.486351	-0.308747	0.429074	0.557187	-0.0213131	-0.182694	0.925675	-0.259896	1	-0.386024	0.32025	-0.312788	-0.271977	-0.19728	0.371398	0.0660491	0.225671	-0.167305	0.0764304
CreditCard_pct	-0.000796015	-0.221697	-0.0897384	0.00723948	0.285299	-0.0180971	-0.0453622	-0.112388	-0.112015	0.129131	0.367801	0.474011	0.335977	-0.272212	-0.170709	0.520798	0.163577	-0.487014	0.642923	-0.386024	1	0.103469	-0.105614	-0.0130286	-0.165625	-0.623024	-0.0192	0.010984	-0.515556	0.233411
Lessthan1Month_pct	-0.923485	-0.939738	-0.0731014	0.310448	-0.106099	0.0371822	-0.0662101	-0.465247	0.316864	0.116827	0.0409451	0.332559	0.416747	0.071268	0.368675	0.140944	-0.409887	0.216925	0.145276	0.32025	0.103469	1	-0.996864	-0.73537	-0.333038	-0.18543	0.235079	0.272671	-0.324765	0.147383
onetotwoMonths_pct	0.903063	0.932616	0.0706922	-0.315627	0.118049	-0.057026	0.0779785	0.50033	-0.292105	-0.111131	-0.0510083	-0.332965	-0.426832	-0.050939	-0.364341	-0.126951	0.407402	-0.205733	-0.150457	-0.312788	-0.105614	-0.996864	1	0.682998	0.29515	0.182313	-0.235037	-0.266885	0.326032	-0.140413
twotothreeMonths_pct	0.80327	0.713186	0.126238	-0.157104	-0.00518197	0.0649908	-0.0144981	0.06354	-0.427877	-0.194646	0.11812	-0.187426	-0.1888	-0.197705	-0.268001	-0.196759	0.286564	-0.221068	-0.00636249	-0.271977	-0.0130286	-0.73537	0.682998	1	0.340471	0.150221	-0.129355	-0.2018	0.207464	-0.131534
threeormoreMonths_pct	0.464623	0.375181	-0.149959	-0.14155	-0.0882843	0.330968	-0.157415	-0.106928	-0.22995	0.155255	-0.179194	-0.256005	-0.161978	-0.195139	-0.23985	-0.178029	0.227274	-0.211606	-0.202069	-0.19728	-0.165625	-0.333038	0.29515	0.340471	1	0.0971324	-0.20279	-0.249613	0.139128	-0.185392
ClosExpl_pct	0.111385	0.28858	0.101573	-0.0424528	-0.18972	-0.143185	0.0129359	0.126399	0.0286357	-0.265269	-0.335676	-0.237979	-0.441568	0.219014	0.238693	-0.490451	-0.0526371	0.422363	-0.481833	0.371398	-0.623024	-0.18543	0.182313	0.150221	0.0971324	1	0.208988	0.232454	0.358069	-0.140784
ClosExplDisp_pct	-0.099793	-0.141837	0.187443	-0.146384	0.161019	0.0485156	-0.00288534	-0.0525512	0.229207	-0.159711	0.00563797	0.0028053	0.141221	0.207818	0.406026	0.15989	-0.204159	0.150282	0.155275	0.0660491	-0.0192	0.235079	-0.235037	-0.129355	-0.20279	0.208988	1	0.911668	-0.0441081	0.373127
ClosExplDispCom_pct	-0.188713	-0.205122	0.225447	-0.128843	0.130911	0.0757853	-0.0573361	0.0655329	0.436882	-0.18443	-0.108534	0.153468	0.070255	0.317697	0.508482	0.197617	-0.214153	0.298788	0.17205	0.225671	0.010984	0.272671	-0.266885	-0.2018	-0.249613	0.232454	0.911668	1	-0.106089	0.424902
Payments_pct	0.201402	0.358496	-0.241767	-0.241145	-0.0830379	0.128119	0.0291854	0.141008	-0.145177	-0.0643322	0.102202	-0.678251	-0.226529	0.328597	-0.255093	-0.579282	0.102101	-0.083805	-0.500002	-0.167305	-0.515556	-0.324765	0.326032	0.207464	0.139128	0.358069	-0.0441081	-0.106089	1	-0.494116
UFDP_pct	-0.0791944	-0.161587	0.216286	0.157534	0.0555537	-0.0682566	-0.0149037	0.156606	0.282081	-0.124389	-0.108749	0.381374	0.0736769	-0.0574315	0.621693	0.525557	-0.0398497	0.212129	0.579981	0.0764304	0.233411	0.147383	-0.140413	-0.131534	-0.185392	-0.140784	0.373127	0.424902	-0.494116	1

	GrievanceID	BankID	State	DateOfGrievance	Grievance_Category	GrievanceDescription	LineOfBusiness	ResolutionComments	Disputed	DateOfResolution
count	53680	53680	53559	53680	53680	53680	53680	53680	53680	53680
unique	53680	86	59	1222	67	46662	4	4	2	1248
top	GID462347	Bank5286	State9	2014-01-19	Loan servicing, payments, escrow account	I was shocked when I reviewed my credit repor...	Credit card	Closed with explanation	No	2013-10-01
freq	1	5623	8110	172	8455	8	21638	41546	41895	142

	No.ofGrievance
Yearsflg
Y12Apr_Yr13Mar	20099
Y13Apr_Yr14Mar	22944
Y14Apr_Yr15Mar	4436
Y15Apr_Yr16Mar	1017

	No.ofGrievance	Pct_GrievanceResolved
DaystoResolveflg
1Monthorless	42869	88.397
1to2Months	5389	11.112
2to3Months	203	0.419
3Monthsormore	35	0.072

	No.ofGrievance	Pct_Grievance
LineOfBusiness
Consumer Loan	4939	10.184
Credit card	19909	41.053
Mortgage	18956	39.088
Student loan	4692	9.675

	Avg:AvgdaystoResolve
BankGrade
deficient	19.384172
outstanding	15.631305
satisfactory	18.151069

	Avg:MediandaystoResolve
BankGrade
deficient	14.583333
outstanding	12.142857
satisfactory	14.055556

	Avg:Lessthan1Month_pct
BankGrade
deficient	84.923889
outstanding	91.797857
satisfactory	86.164815

	Avg:onetotwoMonths_pct
BankGrade
deficient	14.048889
outstanding	8.065714
satisfactory	12.651667

	Avg:twotothreeMonths_pct
BankGrade
deficient	0.935000
outstanding	0.110000
satisfactory	0.965556

	Avg:threeormoreMonths_pct
BankGrade
deficient	0.091667
outstanding	0.026429
satisfactory	0.217222

	Avg:State9_pct
BankGrade
deficient	15.106667
outstanding	11.252143
satisfactory	13.554444

	Avg:State14_pct
BankGrade
deficient	7.948889
outstanding	9.896429
satisfactory	9.217222

	Avg:State43_pct
BankGrade
deficient	7.361111
outstanding	2.775000
satisfactory	5.830556

	Avg:State53_pct
BankGrade
deficient	5.974444
outstanding	7.986429
satisfactory	7.880741

	Avg:State47_pct
BankGrade
deficient	3.687778
outstanding	3.611429
satisfactory	3.651852

	Avg:BusinessPract_pct
BankGrade
deficient	21.686111
outstanding	21.458571
satisfactory	22.482222

	Avg:Communicn_pct
BankGrade
deficient	60.296667
outstanding	62.288571
satisfactory	61.472222

	Avg:LateFeeIntCharg_pct
BankGrade
deficient	32.044444
outstanding	28.955714
satisfactory	29.271296

	Avg:CIBILScore_pct
BankGrade
deficient	23.304444
outstanding	20.831429
satisfactory	20.630741

	Avg:CloseCancel_pct
BankGrade
deficient	30.502222
outstanding	25.007143
satisfactory	25.261296

	Avg:purchaser_pct
BankGrade
deficient	17.256667
outstanding	16.522143
satisfactory	13.823333

	Avg:DelayRecur_pct
BankGrade
deficient	69.367778
outstanding	74.632143
satisfactory	70.008333

	Avg:legal_pct
BankGrade
deficient	41.507778
outstanding	38.360000
satisfactory	40.717593

	Avg:MktOfferRwd_pct
BankGrade
deficient	25.118889
outstanding	14.052143
satisfactory	17.471852

Import all the required libraries and packages¶

Import and Explore data¶

Part 1¶

Train Data preparation using Greivance data¶

Grievance Description -Text Mining¶

1)Develop unique words/phrases for identification of a grievance as UFDP. Create features explaining UFDP (Y/N). Also create other additional features based on domain understanding¶

Cleaning text¶

Wordcloud¶

Feature Scaling¶

PCA¶

Clustering to label grievance as UFDP or not using TF-IDF¶

Reading the FTC Act document for key word search for creating UFDP bag of words(using domain understanding)¶

2) Grievance closed with explanation and Disputed Status (Y)¶

Text Mine for communication effectiveness keywords in such grievance description texts¶

3) Text Mine grievance description for line of business - Credit Card¶

4) Text Mine grievance description for line of business - Mortgage¶

5) Text Mine to understand the severity of Grievance Category -> Dealing with my lender or servicer¶

6) Text Mine to understand the severity of Grievance Category -> Loan servicing, payments, escrow account¶

7) Text Mine to understand the severity of Grievance Category -> Loan modification,collection,foreclosure¶

Part 2¶

Feature extractions at grievance level¶

1) Clustering (UFDP/Non-UFDP)¶

2) Grievance Description -> BOB (14 corpus), to create 14 new features¶

New features include following¶

1)BusinessPractices -> Business practices/ plans/programs/protections¶

2)Communication -> More to do with negative/missleading communication, customer service experience¶

3)CIBILScore -> Redit report/score impact¶

4)LateFeeInterestCharges -> Late fee/ interest charges issues¶

5)Payments -> payment instructions followups¶

6)CloseCancel -> Request to close,cancel,stop,card,account,payments¶

7)purchase -> purchase related concerns¶

8)DelayRecur -> Delayed responses/ recurring issues¶

9)legal -> involves legal actions/parties¶

10)Mkting_Offer_Reward -> Marketing, offers, promotions,advertisements¶

11)PaymentIssue -> Issues related with payments¶

12)MortgageBroadly -> Broader concerns in mortgage loans¶

13)TeftFraudThreat -> Theft, fraud, threat,abuses¶

14)UFDP -> Critical/Core issues that can be tagged as UFDP¶

Join the clean descriptions with the original data for creating features out of it¶

Import the BOW corpus for creating features (UFDP and other features)¶

Feature -> BusinessPractices¶

Feature -> Communication¶

Feature -> CIBILScore¶

Feature -> LateFeeInterestCharges¶

Feature -> Payments¶

Feature -> CloseCancel¶

Feature -> purchase¶

Feature -> DelayRecur¶

Feature -> legal¶

Feature -> Mkting_Offer_Reward¶

Feature -> PaymentIssue¶

Feature -> MortgageBroadly¶

Feature -> TeftFraudThreat¶

Feature -> UFDP¶

Final data at grievance level with all the original columns, cleaned grievance description , and derived features from text¶

3) Deriving new feature -> Daystoresolve, difference between DateOfResolution and DateOfGrievance¶

Save the final grievance level dataframe to pickle¶

Part 3¶

EDA on the final grievance level data¶

1) Trend in grievance over years¶

Grievance trend has increased till 2013 - 2014, but but some strange dip is noticed after that¶

2) Top 5 banks with highest recorded grievance since 2014¶

3) Top 5 states with highest recorded grievance since 2014 (Avg per bank grievance)¶

State 9 is having highest average grievance per bank¶

Create additional 5 features to flag is the back is in each of this 5 states¶

4) Visualize the distribution of days to resolve (derived column -Daystoresolve)¶

About 89% of the grievance over the past 4 years have taken <1 months to resolve, as per industry standards.¶

>1Months are are interesting to observe in the model if they impact bank score¶

5) Distribution of the grievance issues by business line of operation¶

mortgage and Credit card business is having highest no.of grieveance incidents (avg. 40%)¶

6) Distribution of communicational issues for grieveance closed with explanation and disputed¶

Communicational issues is derived column from grievance text¶

There were 9202 out of 48496 grievences that are closed with explanation and disputes¶

Out of 9202 about 67 % are noticed to have communicational issues¶

7) Distribution of grieveances having CIBIL Score related issues¶

We have aount 20% grievance issues related to CIBIL Scores of customers¶

8) Distribution of grieveances having Late fee/ Interest charges related issues¶

8) Distribution of grieveances having Marketing and offer related issues¶

About 22% grievances have marketing and offer related issues¶

8) Distribution of grieveances having delays and recurrance related issues¶

	Avg:PaymentIssue_pct
BankGrade
deficient	63.375000
outstanding	60.972857
satisfactory	62.418148

	Avg:MortgageBroad_pct
BankGrade
deficient	30.520556
outstanding	41.500714
satisfactory	36.644259

	Avg:TeftFraudThreat_pct
BankGrade
deficient	17.172778
outstanding	9.888571
satisfactory	13.496667

	Avg:Mortgage_pct
BankGrade
deficient	29.078889
outstanding	55.005714
satisfactory	37.244259

	Avg:CreditCard_pct
BankGrade
deficient	50.219444
outstanding	4.687857
satisfactory	18.325000

	Avg:ClosExpl_pct
BankGrade
deficient	81.633333
outstanding	91.666429
satisfactory	84.415185

	Avg:ClosExplDisp_pct
BankGrade
deficient	21.954444
outstanding	14.307143
satisfactory	19.204259

	Avg:ClosExplDispCom_pct
BankGrade
deficient	13.770000
outstanding	9.895714
satisfactory	12.586667

	Avg:Payments_pct
BankGrade
deficient	24.587222
outstanding	34.722857
satisfactory	31.129815

	Avg:UFDP_pct
BankGrade
deficient	62.031667
outstanding	53.432143
satisfactory	58.035926